Accounting Analyst at Upgrade | Powderkeg

Location: Phoenix

Employment Type: Full-Time

Team: Finance

Upgrade is a fintech unicorn founded in 2017. We are the fastest-growing company in the Americas (Financial Times). In the last five years, over 15 million people have applied for an Upgrade card or loan, and we have delivered over $10 billion in affordable and responsible credit. Our innovative Upgrade Card is the fastest growing credit card in America (Nilson Report). Combining the flexibility of a credit card with the low cost of an installment loan helps us redefine banking.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, one of the “Top Companies to work for in Arizona”, and we have received awards for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1300 talented and passionate professionals. Come join us if you like to tackle big problems and make a meaningful difference in people's lives.

The ideal candidate will work closely with Investor Operations and Treasury to identify all relevant loan purchase and sale transactions, verify accuracy, and make recommendations to streamline current portfolio accounting processes and procedures. Candidate must be capable of delivering high-quality deliverables, on time, with careful attention to detail.


  • Maintain loan and securitization portfolio accounting records
  • Assist finance and accounting team members with operational and other accounting functions required by the business
  • Provide timely loan portfolio information to Chief Accounting Officer and Management
  • Work collaboratively, cross-functionally and interface with stakeholders and other teams to effectively and efficiently manage portfolio accounting
  • Effectively communicate (written and verbal) technical subject matter to non-technical business stakeholders


  • Minimum of 3+ years of experience in public accounting OR 3+ years of corporate accounting experience.
  • Knowledge of US GAAP
  • Database and data manipulation experience a plus
  • Team-player with strong interpersonal skills who can work closely with both accounting teams and relevant business and management teams
  • Effective written, verbal and interpersonal communication skills.
  • Sense of ownership and responsibility towards problems and solutions.
  • Demonstrated ability to adapt quickly and smoothly to a rapidly changing environment.

Benefits, Perks & Fun Stuff

  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental and vision insurance
  • 401K match
  • Unlimited vacation
  • Hybrid workplace
  • Learning stipend for personal growth and development
  • Paid parental leave
  • Health & wellness initiatives
  • Conveniently located in Downtown Phoenix.
  • Close to light rail and public transportation.
  • Kitchen stocked with beverages, snacks and treats.

Candidates should be prepared to:

  1. Share or discuss examples of relevant work experience

  2. Answer technical data questions about loan portfolio accounting.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Job Summary
  • Job Title
    Accounting Analyst
  • Company
  • Location
    San Francisco, CA
  • Employment Type
    Full time
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