Senior Manger, Marketing Analytics - Cards

Upgrade•San Francisco, CA

12d

About The Position

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.

Requirements

English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.

Responsibilities

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
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
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
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