Card Credit Risk Policy & Portfolio Analytics Lead

Upgrade is seeking a data‑driven Manager / Senior Manager for the Card Credit Risk team in a hybrid role based in Wilmington or San Francisco. You will lead portfolio analytics and policy design initiatives to improve overlimit, payment holds, and suspension policies while tracking performance to drive strong returns. You’ll partner with product, marketing, and operations to optimize payment programs, employ SQL, Excel, and Python for analysis, and stay ahead with AI‑enabled innovations.