Junior Business & Data Analyst

About the company

Upgrade builds consumer financial products designed to help people make smarter progress with money. Since 2017, the company has served more than 7.5 million customers and facilitated over $42 billion in consumer credit. Its mission is centered on improving customers’ financial health and supporting long-term financial stability.

The business is supported by major technology investors and was most recently valued at $7.3B. It has also earned recognition for its workplace culture and inclusion, including honors from CNBC, Built In, the San Francisco Business Times, Newsweek, Forbes, and the Phoenix Business Journal.

Upgrade is seeking team members who are energized by building better products and contributing to a stronger financial future for millions of people.

Role overview

This opening is for a curious and detail-focused Junior Business and Data Analyst to join the analytics team in San Francisco. The role is intended for someone with at least 2 years of practical experience in an analytics or data-driven environment. Academic knowledge alone is not enough; the role requires hands-on work with real datasets, imperfect inputs, and outputs that were actually used by stakeholders.

You will help the business make better decisions by developing reports, writing SQL, and turning data into insights that explain performance and highlight opportunities. You will partner with senior analysts and business teams while building your ability in analytics, forecasting, and data storytelling.

What you will do

• Study data to uncover trends, recurring patterns, irregularities, and root causes behind performance changes.
• Support KPI monitoring, data quality validation, and governance-related activities.
• Create and sustain business intelligence reports while applying core statistical methods.
• Act as a day-to-day data partner for commercial and account management teams by identifying operational gaps and helping guide priorities.
• Develop and maintain SQL queries using joins, CTEs, and window functions, and help improve query performance where needed.
• Work with established warehouse structures and data models to retrieve and transform information for reporting.
• Record data logic and query definitions to support validation and reconciliation.
• Assist with scenario model improvements, monitor forecast accuracy, and contribute to reporting on projections.
• Build dashboards and recurring reports, and create clear visualizations that follow best practices.
• Support quarterly business review preparation and executive reporting, including some automated reporting work.

What the company is looking for

• At least 2 years of experience in an analytics or data-related role.
• Strong SQL skills, including the ability to work with joins, CTEs, and window functions in real production queries.
• Working experience with Tableau, Microsoft Excel, Redshift, and Databricks.
• Regular use of AI tools such as Claude or ChatGPT as part of an everyday workflow.
• Natural curiosity about data, with a habit of investigating unexpected results and asking clarifying questions early.
• Ability to collect and document business requirements, work across functions, and support business case development.
• Skill in presenting findings clearly, translating results into plain language, and preparing materials for executive audiences.
• Comfort with hypothesis testing under guidance and willingness to build stronger structured thinking skills.
• Ability to spot trends, detect anomalies, and contribute useful observations for strategic recommendations.

Compensation and benefits

The salary range for this San Francisco role is USD 75,000 to 95,000 annually, along with equity and benefits.

• Competitive compensation
• Employer-paid medical, dental, and vision coverage
• Flexible paid time off
• Competitive 401(k)
• Opportunities for professional growth and development
• Paid parental leave
• Health and wellness programs

Additional information

For California residents, the company provides a Notice at Collection and Privacy Policy covering how applicant personal information is collected, used, and disclosed.

Upgrade is an equal opportunity employer and does not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability.

The company does not accept unsolicited resumes from staffing agencies, search firms, or other third parties. Any resume sent without a prior written agreement will be treated as company property, and no referral or placement fee will be owed. Agencies must receive advance written approval from the Talent Acquisition team and must have a valid, fully executed agreement before submitting candidates.

English is required for all positions because the role involves communication with staff across Upgrade offices worldwide.