Senior Manager, Card Credit Risk - Line Management

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 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 end-to-end. In this role, you'll 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 You'll 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 $140,000-190,000 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 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.