Director, Card Growth & Risk Initiatives
United States·San FranciscoexecutiveQuick Summary
Provide credit risk leadership, policy design, and support to launch prioritized strategic initiatives,
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
~1 min readResponsibilities
~1 min read- →
Provide credit risk leadership, policy design, and support to launch prioritized strategic initiatives, such as (but not limited to)
o Enhanced scale in Affinity Segments
o Expand into new customer segments with customized approaches
o Enable / support marketing initiatives with credit risk interactions,
such as credit line marketing to prospective customers
- →
Identify and pursue new growth opportunities
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Develop a forward-looking agenda to deliver continued growth and influence the organization to rally behind it
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Evaluate opportunities, propose tests, and build business cases to unlock future card growth
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Combine test results, internal and external market data, and business judgement to deliver responsible growth
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Test cash flow underwriting use-cases, evaluate business case to deploy at scale, and develop policies to unlock growth
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Develop and enhance Intentional Credit Misuse / Synthetic U/W defenses
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Partner cross-functionally to implement and scale
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Track performance of initiatives, identify further opportunities to enhance and report recommendations/results to leadership
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7+ years of experience in consumer finance, consulting, or other data-driven backgrounds
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Deep experience with consumer lending / credit risk, particularly in credit cards
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Data-driven and independent problem solver
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Strong communicator with a knack for identifying the business intuition behind complexity
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Comfort with solving white-space problems and identifying reasonable paths in the face of ambiguity
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Strong proficiency in SQL, Excel (Python is a plus)
What We Offer
~1 min readLocation & Eligibility
Listing Details
- Posted
- July 14, 2026
- First seen
- July 14, 2026
- Last seen
- July 14, 2026
Posting Health
- Days active
- 0
- Repost count
- 0
- Trust Level
- 67%
- Scored at
- July 14, 2026
Signal breakdown
Upgrade, Inc. is an American neobank founded in 2016 that offers credit and banking products to consumers, including fixed-rate credit cards, personal loans, rewards checking accounts, and credit monitoring tools.
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Director, Card Growth & Risk Initiatives