Card Credit Risk Leader: CLI Policy & Growth

Upgrade, Inc.; San Francisco (CA); Hybrid; USD 140,000 - 190,000; Full time

Benefits offered by this job

Stock options

Health/Dental/Vision insurance

Flexible PTO

Career growth opportunities

Parental leave

Wellness programs

Job summary

Upgrade, Inc. is seeking a data-driven Senior Manager for Card Credit Risk to lead end-to-end CLI, CLD, and closure policy. You will own policy design, measurement by vintage, and cross-functional collaboration to balance revenue opportunities with losses.

The role is based in Wilmington or San Francisco on a hybrid basis, partnering with data science, product, and business teams to deliver strong returns and scalable credit policies for the card portfolio.

Qualifications

• 5-7+ years of experience in consumer finance, consulting, or other data-driven backgrounds.
• Experience with credit and analytics, particularly credit line management / CLI policy in a credit card context.
• Strong analytical skills with the ability to translate data into clear, strategic recommendations.

Responsibilities

• Serve as the SME for Card line management, including CLI, CLD, and closures
• Take an integrated view of the business in developing CLI eligibility and increase amount policies, balancing revenue opportunity and credit losses
• Own Credit Line Decrease (CLD) and closure policy, including triggers and treatment, as/if needed
• Monitor CLI program performance by segments and other dimensions to identify emerging trends
• Design and deploy policy enhancements based on internal data, industry/macro trends, and business judgement
• Partner with data science team to develop and enhance line assignment models, including risk and utilization models
• Design and deploy testing to inform future modeling, policy, business insights
• Evaluate, design, and launch tests or innovations to CLIs, including, but not limited to new CLI timing, reactive CLI, and interactive CLI
• Partner across the organization to facilitate effective CLI program outcomes, such as through enhanced income collection
• Partner with the business, product, marketing and other partner teams to deliver holistic and integrated business outcomes

Skills

SQL

Python

Excel

Credit risk analytics

Data-driven

Job description

Upgrade, Inc. is seeking a data-driven Senior Manager for Card Credit Risk to lead end-to-end CLI, CLD, and closure policy. You will own policy design, measurement by vintage, and cross-functional collaboration to balance revenue opportunities with losses.

The role is based in Wilmington or San Francisco on a hybrid basis, partnering with data science, product, and business teams to deliver strong returns and scalable credit policies for the card portfolio.