We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role:

Upgrade is seeking Summer Interns to join our North American Operations team. This team is responsible for reviewing relationships with new and existing contractors on the Upgrade Home Improvement platform, where our payment options can help their customers start a dream home project. This role offers hands-on exposure to the core operational functions that power our business — from reviewing applications and supporting merchant onboarding to assessing and monitoring risk. This role will allow the Summer Intern an opportunity to experience multiple aspects of creating a new line of business at a rapidly accelerating start-up along-side an experienced leadership team.

This is an ideal opportunity for students interested in finance, operations, business, risk, compliance, or fintech who want real-world experience working alongside cross-functional teams and contributing to meaningful projects.

What You’ll Do:

Throughout the internship, you’ll gain experience across multiple operational areas, with a primary focus on Underwriting and Risk Management, including:

• Underwriting & Merchant Operations

  • Support the Underwriting team by helping gather, review, and verify documentation for merchant applications
  • Communicate with merchants via phone and email to collect required materials and answer questions
  • Assist with merchant onboarding processes, including verifying email addresses, staged funding details, and responsible party information
  • Participate in joint calls with merchants and banking partners to verify bank account information
  • Review submitted documents for accuracy and completeness in accordance with internal guidelines
  • Collaborate with Sales and Underwriting teams to ensure timely and accurate application processing

• Risk

  • Assist the Risk team with reviewing new vendor requests and performing initial risk assessments
  • Support due diligence efforts by helping collect and organize merchant documentation
  • Participate in risk-based reviews, including background research and document evaluation
  • Help prepare summaries of materials reviewed during vendor diligence and monitoring
  • Support ongoing oversight of higher-risk merchants and assist with maintaining accurate records
  • Work with stakeholders across Legal, Compliance, Product, Credit teams

What We Look For:

• Strong attention to detail and excellent organizational skills
• Clear written and verbal communication skills
• Ability to manage multiple tasks and deadlines in a fast-paced environment
• Strong work ethic with a proactive, team-first mindset
• Comfortable asking questions, learning new processes, and adapting to shifting priorities
• Analytical mindset with an interest in operations, finance, risk, or compliance

Qualifications

• Currently pursuing or recently completed a degree in Business, Finance, Economics, Operations, or a related field
• Proficiency with Microsoft Office / Google Workspace
• Interest in financial services, fintech, operations, or risk management

What We Offer You:

• Competitive pay
• Opportunities for professional growth and development
• Access to Leaders with decades of business experience
• Lunch stipend
• Health & wellness initiatives