Senior Product Analyst, Personal Loans

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition 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 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role

We are seeking a detail-oriented Senior Product Analyst to join the Upgrade Personal Loans team, focusing on data-driven insights and experimentation. In this role, you will design and analyze A/B tests, conduct product performance analysis, and provide Product Managers with accessible, actionable data to drive strategic decisions. Your contributions will shape data-informed product decisions that enhance Upgrade's personal loan offerings and customer experience. You will establish the analytical foundation that empowers the Product team to optimize conversion rates, boost customer satisfaction, and promote sustainable growth. Your efforts will be crucial in helping Upgrade maintain its competitive edge in the personal lending space through rigorous experimentation and data-driven product development.

This role will be based in our San Francisco office in a hybrid capacity, 2-3 times per week.

What You’ll Do:

• Design, implement, and manage A/B test frameworks for personal loan products and features
• Collaborate with Product Managers and Engineering teams to define test parameters, success metrics, and statistical requirements
• Conduct thorough test reads and statistical analysis to determine significance and business impact
• Document test methodologies, results, and recommendations for stakeholder consumption
• Develop and maintain comprehensive dashboards and reporting for personal loan product performance
• Monitor key product metrics including conversion rates, user engagement, loan origination volumes, and customer satisfaction
• Identify trends, anomalies, and opportunities through deep-dive analysis of product data
• Create automated reporting solutions to provide real-time insights to Product Managers
• Conduct exploratory data analysis to uncover customer behavior patterns and product optimization opportunities
• Research market trends and competitive landscape to inform product strategy
• Synthesize complex data findings into clear, actionable recommendations for product improvements
• Support product roadmap decisions with quantitative analysis and data-backed recommendations
• Build self-service analytics tools and resources for Product Managers to access key metrics independently
• Create and maintain data documentation, metric definitions, and analysis guidelines
• Train Product Managers on available data resources and analytical tools
• Establish data governance processes to ensure consistency and accuracy across product analytics
• Partner closely with Product Managers to understand business requirements and translate them into analytical solutions
• Work with Engineering teams to implement tracking and ensure data quality
• Collaborate with Credit Risk and Operations teams to understand product performance holistically
• Present findings and recommendations to leadership and stakeholders

What We Look For:

• 3-5 years of relevant experience in product analytics, pr