Senior Manager, ECM Policy & Portfolio Analytics

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 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 $7.3B.

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're seeking a data-driven and hands-on Manager / Sr Manager on our Card Credit Risk team to drive a variety of portfolio analytics and policy design initiatives. In this role, you'll work on policies like overlimit authorizations, payment holds, and suspensions. You will use a combination of internal and external data, along with business judgement and strategic thinking, to develop new policies and enhance existing ones. You will also track portfolio performance

and surface insights for us to better manage existing customer accounts. You will partner with the business, product, and other partner teams to deliver holistic and integrated business outcomes. Your work will enhance portfolio performance, advance our ability to competitively serve customers, and ensure predictable and strong returns from our Card product.

This role will be based in our Wilmington or San Francisco office in a hybrid capacity.

What You’ll Do:

• Develop and enhance policies such as overlimit authorizations, payment holds, and suspension policies

• Provide credit-risk support for product/marketing portfolio initiatives (Balance transfer or promotional offers, retention / graduation, etc)

• Partner with product to use payment alerts, digital collections UX, and other levers to enhance on-time payment rates and encourage curing from delinquency

• Partner with operations on testing/optimizing payment programs, hardships, etc

• Develop and support strategic business initiatives such as migration of our legacy card product to our next generation cards

• Ongoing portfolio monitoring of policy actions and outcomes

What We Look For:

• 3-6 years of experience in consumer finance, consulting, or other data-driven backgrounds

• Experience with credit and analytics, particularly in a credit card policy context

• Strong analytical skills with the ability to translate data into clear, strategic recommendations

• Strong proficiency in SQL, Excel, and Python

• Familiarity with LLMs and AI-enabled innovation

• The ability to identify and articulate the business intuition in the data

What We Offer You:

• Competitive salary and stock option plan

• Paid coverage of medical, dental and vision insurance

• Flexible PTO

• Competitive 401(k)

• 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.