Wait, What Do You Do?

<div class="content-intro">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.</div>What You’ll Do: Marketing Performance & Optimization ● Lead the marketing investment cycle collaborating across credit, finance, and strategy teams to launch marketing campaigns ● Architect and launch the firm’s first optimization engine to target prospects, maximizing expected economics while maintaining policy thresholds ● Partner closely with Growth Marketing teams to optimize campaign targeting, channel mix, creative performance, and customer acquisition cost (CAC) ● Build and maintain bottom-up business unit economic growth forecasts ● Produce the quantitative outputs that support investor reporting and capital market narratives, including securitization performance analytics and portfolio stratifications Customer & Portfolio Analytics ● Build and own the account valuation (unit economics) models that underpin credit card investment decisions ● Evaluate cardholder engagement trends, spend behavior, utilization, rewards engagement, and retention drivers ● Conduct cohort analyses to understand customer lifecycle performance and long-term portfolio health ● Partner with Product and Risk teams to evaluate customer quality, credit performance, and unit economics Experimentation & Strategic Insights ● Design and measure A/B and multivariate tests to improve economic outcomes ● Identify opportunities to improve conversion rates, portfolio profitability, and lifetime value (LTV) ● Deliver actionable recommendations through statistical analysis, forecasting, and predictive modeling ● Support executive decision-making with clear storytelling and concise business recommendations ● Translate large, complex datasets into meaningful insights for both technical and non-technical stakeholders Data & Cross-Functional Leadership ● Collaborate with Data Engineering and BI teams to improve data quality, accessibility, and scalability ● Drive consistency in KPI definitions, reporting methodologies, and attribution frameworks ● Mentor and develop junior analysts and foster a data-driven culture across the organization ● Serve as a trusted advisor to senior leaders on growth strategy, portfolio trends, and marketing investment decisions<div class="content-conclusion"><hr> Environmental & Working Conditions <ul> <li style="color: rgb(52, 73, 94); font-size: 10pt;">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.</li> <li style="color: rgb(52, 73, 94); font-size: 10pt;">Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.</li> <li style="color: rgb(52, 73, 94); font-size: 10pt;">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.</li> <li style="color: rgb(52, 73, 94); font-size: 10pt;">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.</li> <li style="color: rgb(52, 73, 94); font-size: 10pt;">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.</li> <li style="color: rgb(52, 73, 94); font-size: 10pt;">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.</li> </ul> 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.</div>

Senior Manger, Marketing Analytics