Upgrade Inc.
Senior Manager, Card Credit Risk - Line Management
San Francisco; Wilmington · Senior
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About the role
- 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.
- Serve as the SME for Card line management, including CLI, CLD, and closures
Responsibilities
- 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
- 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
- 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.
- Come join us and help build a better financial future for millions of people.
Requirements
- Experience with credit and analytics, particularly credit line management / CLI policy in a credit card context
- Strong proficiency in SQL, Excel, and Python
- Strong analytical skills with the ability to translate data into clear, strategic recommendations
- Familiarity with LLMs and AI-enabled innovation
- The ability to identify and articulate business intuition in the data
Compensation
- Competitive Salary & Stock Option Plan
Benefits
- Paid coverage of medical, dental and vision insurance
Company info
- 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.
- We're looking for new team members who get excited about designing and delivering new and better products.
This listing is sourced directly from Upgrade Inc.'s careers page and normalized into a canonical job model.