Senior Manager, Card Credit Risk Line Management

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017 weve 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. Were backed by some of the most prominent technology investors and were most recently valued at $7.3B.

Were consistently recognized for our collaborative and inclusive culture. Most recently we were named one of the Worlds Top Fintech Companies by CNBC Best Places to Work by Built In Best Places to Work by the San Francisco Business Times Americas Greatest Workplaces by Newsweek Best Startup Employer by Forbes and Healthiest Employers by Phoenix Business Journal.

Were 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:

Were seeking a data-driven and hands-on Sr Manager on our Card Credit Risk team to lead line management strategy for our card portfolio - owning credit line increase (CLI) decrease (CLD) and closure policy this role youll design and evolve CLI policy for both early and mature accounts using a combination of internal and external data along with business judgment and strategic thinking to size and value line changes and refine existing policy over time. You will track line management program performance by vintage and portfolio segment surface emerging trends and iterate quickly on policy design. 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 is based in either our Wilmington or San Francisco Office on a hybrid basis.

What Youll Do:

• 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

What We Look For:

• 5-7 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
• Strong proficiency in SQL Excel and Python
• Familiarity with LLMs and AI-enabled innovation
• The ability to identify and articulate business intuition in the data

What We Offer You:

Competitive Salary & Stock Option Plan
Paid coverage of medical dental and vision insurance
Flexible PTO
Opportunities for professional growth and development
Paid parental leave
Health & Wellness initiatives

The compensation range of this position is USD $00 annually plus equity and benefits. Please note that the actual base pay will be dependent on a variety of factors including without limitation job-related knowledge skills education and experience.

Environmental & Working Conditions

• Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows schedules and service expectations.
• Employees regularly input retrieve and exchange information accurately using digital systems and applications to support operational and customer service objectives.
• The role requires the ability to receive and exchange information with customers peers supervisors and cross-functional partners through available communication channels which may include meetings email phone and digital collaboration tools and may involve real-time verbal or in-person exchanges depending on business need.
• Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read analyze and interpret information displayed on computer screens and remain in a working posture for extended periods consistent with the demands of the position.
• Work may be performed in a contact center office or remote environment depending on business needs and the nature of the role. Onsite work environments may include shared workspaces standard office lighting and moderate background noise typical of customer service or operational settings.
• Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information.

Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws.

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 Upgrades 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 Upgrades offices worldwide.