Director, Card Growth & Risk Initiatives

San Francisco, United StatesHybrid

Responsibilities

Develop a forward-looking agenda to deliver continued growth and influence the organization to rally behind it •
Evaluate opportunities, propose tests, and build business cases to unlock future card growth •
Test cash flow underwriting use-cases, evaluate business case to deploy at scale, and develop policies to unlock growth •
Develop and enhance Intentional Credit Misuse / Synthetic U/W defenses •
Track performance of initiatives, identify further opportunities to enhance and report recommendations/results to leadership What We Look For: • 7+ years of

experience in consumer finance, consulting, or other data-driven backgrounds • Deep
experience with consumer lending / credit risk, particularly in credit cards •
Strong proficiency in SQL, Excel (Python is a plus) What We Offer You: •
English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.

Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit.
We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.
We're seeking a hands-on and data-driven Director to lead Card Credit R&D and Growth Initiatives.
In this role, you'll drive and deliver a variety of strategic, high impact initiatives that unlock and accelerate growth of our Credit Card business.
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 •

Upgrade helps customers move in the right direction with affordable and responsible financial products.
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 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:
You will creatively use internal/external data, business judgement, and scenario analysis to develop business cases for new initiatives.
You will partner cross-functionally to advocate for high value initiatives, develop plans to implement and scale, and report results to leadership.
This role will be based in our Wilmington or San Francisco office in a hybrid capacity. What You’ll Do: •
Provide credit risk leadership, policy design, and support to launch prioritized strategic initiatives, such as (but not limited to)
o Expand into new customer segments with customized approaches