Head of Finance, Cards

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7 million customers access over $40 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $6.3B.

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:

We are looking for a highly analytical and strategic Head of Finance to drive profitability, business strategy, operational efficiency and enhance reporting for Upgrade Cards & Personal Lines of Credit. Reporting directly to the CFO, this role is a critical business partner to the Card business, responsible for providing financial insights and strategic guidance to the Head of Cards and the executive leadership. The ideal candidate will have a strong background in financial services especially in the credit card industry, deep knowledge of scaling businesses, and experience driving profitability in dynamic environments. This position is based out of Wilmington, DE or San Francisco, CA.

What You’ll Do: 

• ​​Partner with Card business to build out the Valuations Infrastructure (NPV model/IRR), including providing inputs and assumptions for the initial build as well as quarterly monitoring process.
• Co-develop monthly marketing investment decisioning criteria to allow the business to make the most optimal decision for the marketing dollars.
• For co-brand deals, develop a “deal valuations model”- make it replicable for different types of co-brand partners.
• Conduct Investor deal analysis, providing what-if scenarios, interfacing with large institutional investors as well as banks & credit unions.
• Develop and maintain accurate, timely, and insightful financial reports for executive leadership and stakeholders.
• Establish and enhance reporting frameworks to track key financial metrics and business performance.
• Lead initiatives to analyze profitability and identify areas of opportunity.
• Own the monthly/quarterly forecast process, ensuring alignment with corporate goals.
• Monitor performance against budget, identify trends, and recommend actions to achieve targets.
• Provide data-driven insights and recommendations to influence business strategy and decision-making.
• Partner with business leaders to evaluate opportunities, pricing strategies, and cost management initiatives.
• Collaborate with cross-functional teams to support product launches, market expansion, and operational scaling.

What We Look For:

• Bachelor’s degree in Finance, Accounting, Economics, or a related field. MBA or CFA designation preferred.
• 10+ years in Corporate Finance, FP&A, strategic finance, or a related field.
• Previous experience developing models and reporting with Pigment. 
• Experience in high-growth companies, preferably in fintech, consumer tech, or B2C product companies.
• Previous experience in pre-IPO or public companies is highly desirable.

What We Offer You: 

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance 
• Competitive 401(k) and RRSP program  
• Flexible PTO
• Opportunities for professional growth and development  
• Paid parental leave
• Health & wellness initiatives
  
  

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.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.