Senior Manager, ECM Policy & Portfolio Analytics

United States·San Franciscosenior

AnalyticsData & AI

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Quick Summary

Key Responsibilities

Develop and enhance policies such as overlimit authorizations, payment holds,

Technical Tools

AnalyticsData & AI

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 read

Responsibilities

~1 min read

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Develop and enhance policies such as overlimit authorizations, payment holds, and suspension policies
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Provide credit-risk support for product/marketing portfolio initiatives (Balance transfer or promotional offers, retention / graduation, etc)
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Partner with product to use payment alerts, digital collections UX, and other levers to enhance on-time payment rates and encourage curing from delinquency
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Partner with operations on testing/optimizing payment programs, hardships, etc
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Develop and support strategic business initiatives such as migration of our legacy card product to our next generation cards
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Ongoing portfolio monitoring of policy actions and outcomes

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

~1 min read

✓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

Location & Eligibility

Where is the job

San Francisco, United States

On-site at the office

Who can apply

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

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Upgrade

greenhouse

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.

Employees

3k+

Founded

2016

Domain

Jobs

External application · ~5 min on Upgrade's site

Please let Upgrade know you found this job on Jobera.