Companies you'll love to work for

DNX Ventures
DNX Ventures

VP, Merchant Risk Operations



Atlanta, GA, USA
Posted on Wednesday, April 3, 2024

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 $25 billion in affordable and responsible credit to our 2.7M 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 1600 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 looking for a Vice President of Merchant Risk Operations in our Atlanta office. This person will be responsible for all aspects of merchant risk for our growing Home Improvement Loan product. This person will lead a team and work closely with internal teams to develop and implement risk management strategies, policies, and procedures. Additionally, you will be responsible for ensuring compliance with regulatory requirements and best practices in the industry.

This is a hybrid role in our Atlanta office.

What You’ll Do:

  • Develop and implement risk management strategies for merchant risk for Home Improvement Loans.
  • Oversee the underwriting of potential merchants and own accountability for merchant performance
  • Monitor and assess merchant risk exposure and develop strategies to mitigate risks.
  • Collaborate with internal teams to ensure compliance with regulatory requirements and best practices.
  • Lead a team of risk management professionals to achieve departmental goals and objectives.
  • Synthesizing data such as dispute metrics, credit metrics, and overall feedback to make effective recommendations
  • Stay current on industry trends and best practices related to merchant risk management.
  • Work closely with other departments to ensure that merchant risk is effectively managed across the organization.

What We Look For:

  • Bachelor's degree in finance, business administration, or related field. Master's degree preferred.
  • 15+ years of experience in risk operations management within the financial services industry, with a focus on merchant risk.
  • Experience working with point of sale lending merchants
  • Home improvement loan experience preferred
  • Strong knowledge of risk management principles, practices, and regulatory requirements.
  • Excellent analytical and problem-solving skills.
  • Strong leadership and team management skills.

What We Offer You:

  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental and vision insurance
  • Flexible PTO
  • Opportunities for professional growth and development
  • Paid parental leave
  • Health & wellness initiatives


Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact

Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of recruitment, job application, or interview process.

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.

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.