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Senior Manager, ECM Policy & Portfolio Analytics

Upgrade
Full Timesenior
San Francisco; WilmingtonPosted 7 days ago

Role Overview

Upgrade is hiring a Senior Manager, ECM Policy & Portfolio Analytics. This is a full-time role in San Francisco; Wilmington. posted last week. Full responsibilities, required qualifications, and the apply link are listed in the description below.

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Job description

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 Manager / Sr Manager on our Card Credit Risk team to drive a variety of portfolio analytics and policy design initiatives. In this role, you'll work on policies like overlimit authorizations, payment holds, and suspensions. You will use a combination of internal and external data, along with business judgement and strategic thinking, to develop new policies and enhance existing ones. You will also track portfolio performance

and surface insights for us to better manage existing customer accounts. 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 will be based in our Wilmington or San Francisco office in a hybrid capacity.


What You’ll Do:

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

  • Provide credit-risk support for product/marketing portfolio initiatives (Balance transfer or promotional offers, retention / graduation, etc)

  • Partner with product to use payment alerts, digital collections UX, and other levers to enhance on-time payment rates and encourage curing from delinquency

  • Partner with operations on testing/optimizing payment programs, hardships, etc

  • Develop and support strategic business initiatives such as migration of our legacy card product to our next generation cards

  • Ongoing portfolio monitoring of policy actions and outcomes


What We Look For:

  • 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 You:

  • 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

    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.

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Frequently Asked Questions

How do I apply for the Senior Manager, ECM Policy & Portfolio Analytics position at Upgrade?

Use the Apply button above to submit your application directly to Upgrade. Most applications take less than 5 minutes if your resume and contact details are ready, and you'll be routed to the employer's official application system to finish.

Where is the Senior Manager, ECM Policy & Portfolio Analytics position at Upgrade located?

This position is based in San Francisco; Wilmington. Upgrade has not indicated remote or hybrid options for this role, so candidates should plan for on-site work.

What does a Senior Manager, ECM Policy & Portfolio Analytics at Upgrade earn?

Upgrade has not disclosed a salary range in this posting. Many employers share specifics later in the interview process; you can also ask during a recruiter screen if compensation transparency is important to you.

When was the Senior Manager, ECM Policy & Portfolio Analytics role at Upgrade posted?

This role was posted on July 16, 2026 (7 days ago). It's still listed as actively hiring; we re-confirm openings against the source system multiple times per day and remove closed roles.

How much experience does the Senior Manager, ECM Policy & Portfolio Analytics role at Upgrade require?

This is a senior-level position. Most senior roles call for 5+ years of directly relevant experience. Upgrade lists their specific requirements in the description below, so review the must-have qualifications closely before applying.

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