Senior Manager, Card Credit Risk - Line Management

Upgrade; San Francisco (CA); On-site; USD 140,000 - 190,000; Full time

Benefits offered by this job

Stock options

Medical/dental/vision

Flexible PTO

401(k)

Professional growth

Parental leave

Wellness programs

Job summary

Upgrade is seeking a data‑driven Manager / Senior Manager for the Card Credit Risk team in a hybrid role based in Wilmington or San Francisco. You will lead portfolio analytics and policy design initiatives to improve overlimit, payment holds, and suspension policies while tracking performance to drive strong returns.

You’ll partner with product, marketing, and operations to optimize payment programs, employ SQL, Excel, and Python for analysis, and stay ahead with AI‑enabled innovations.

Qualifications

• 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.

Responsibilities

• Develop and enhance policies such as overlimit authorizations, payment holds, and suspension policies.
• Track portfolio performance and surface insights to better manage existing customer accounts.
• Provide credit‑risk support for product and 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 and 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.
• Work collaboratively with business, product, and other partner teams to deliver holistic and integrated business outcomes.

Skills

Credit risk analytics

Data-driven decision making

Strategic recommendations

Attention to detail

Tools

SQL

Excel

Python

Job description

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. Your work will focus on policies such as overlimit authorizations, payment holds, and suspension policies, and on tracking portfolio performance to surface insights that enhance portfolio performance and ensure predictable, 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.
• Track portfolio performance and surface insights to better manage existing customer accounts.
• Provide credit‑risk support for product and 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 and 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.
• Work collaboratively with business, product, and other partner teams to deliver holistic and integrated business 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.

Compensation range: USD $140,000-190,000 annually plus equity and benefits.

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.