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 are seeking a strategic, hands-on, and highly analytical Senior Manager of Marketing Analytics to support growth and optimization of our credit card products. This role reports to the Head of Valuations & Investment Decisioning and will serve as a key business partner to Marketing, Product, Finance, Risk, and Executive Leadership teams by delivering data-driven insights that improve acquisition performance, customer engagement, profitability, and long-term portfolio growth.

This role will be based in our Wilmington, Delaware office in a hybrid capacity.

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

What We’re Looking For:

• 7+ years of experience in marketing analytics, business analytics, growth analytics, or related analytical roles
• 3+ years of experience supporting credit card, lending, banking, or fintech products strongly preferred
• Strong understanding of card economics, acquisition funnels, customer lifecycle metrics, and portfolio performance
• Advanced SQL skills and experience working with large-scale datasets
• Experience with BI and visualization tools such as Tableau, Power BI, or similar
• Proficiency in statistical analysis and experimentation methodologies
• Experience using Python or similar analytical programming languages preferred
• Exceptional communication and storytelling skills with the ability to influence executive stakeholders
• Highly organized, intellectually curious, and comfortable operating in fast-paced, high-growth environments

Preferred Qualifications:

• Experience in consumer fintech, digital banking, BNPL, or credit card organizations
• Familiarity with credit policy mechanics: application decisioning, risk-tiering, and the linkage between origination quality and portfolio performance
• Prior people leadership or team management experience

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives
  
  

The compensation range of this position in Wilmington, Delaware 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.

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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.