SlipstreamJobs tracks this role from the company's public career site. Apply directly on the employer's site.
Upgrade is a fintech company that has helped over 7.5 million customers access more than $42 billion in consumer credit since 2017. The company is backed by prominent technology investors and valued at $7.3 billion, operating a B2B2C home improvement lending model where homeowners access financing exclusively through approved contractor partners.
The Account Receivable Operations Lead owns the Revenue & Recovery pillar of the Dispute organization, serving as the single point of accountability for ensuring cash lands correctly, resolving merchant financial exposure, and maintaining clean, reconciled, and defensible receivables. This is a high-judgment, regulated role sitting at the intersection of Disputes, Accounting, Sales, and Legal.
Key responsibilities include:
**Cash Reconciliation & Credit Decisions:** Ensure accuracy of incoming cash through daily reconciliation of transactions and timely identification of discrepancies. Review and apply credit decisions on disputes with financial impact, including partial refunds, full refunds, and leadership-approved expenses, validating supporting agreements and prior refund history.
**Merchant Collections - End to End:** Lead the weekly Merchant Collections Report process, including extraction, reconciliation, and maintenance of escalated accounts. Facilitate weekly Merchant Collections syncs to align stakeholders on recovery actions. Review high-risk merchant accounts, direct required follow-up, and ensure adherence to formal escalation paths for unresolved accounts.
**Legal & Recovery Escalations:** Partner with management to prepare incident reports supporting demand letters or litigation once collections efforts have been exhausted. Process formal legal requests in accordance with statutory deadlines.
**Accrual Process Ownership:** Maintain ongoing ownership of the merchant expense and loss accrual process, reconciling monthly expenses against actuals and ensuring accurate comment-code allocation. Lead year-end close activities in partnership with Dispute leadership and Accounting, consolidating projected losses, reconciling accruals against actuals, and clearing outstanding balances.
This role requires strong judgment, regulatory awareness, and the ability to balance accuracy with accountability while protecting Upgrade's financial and legal position.
