Senior Director, Card Pricing

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're seeking a hands-on Senior Director, Card Pricing to lead pricing strategy on our Card business team. In this role, you'll drive our thinking across lifecycle pricing for our card products, develop and implement consistent pricing frameworks, and manage strong controls and documentation. You will use in-market results and business judgement to identify enhancements and optimizations, partner cross-functionally to advocate for changes, and communicate results to a broad set of stakeholders. Your work will develop our approach to pricing in Card, advance our ability to competitively serve customers, and ensure predictable and strong returns from our Card product.

This role will be based in our Wilmington,Delaware or San Francisco, CA office in a hybrid capacity.

What You’ll Do:

• Design, implement, and manage pricing frameworks across the card lifecycle

• Manage yield across new and existing accounts

• Design and implement card-act compliant pricing infrastructure and policies

• Develop new pricing approaches/strategies for innovative payment and lending features that enhance customer usage and portfolio profitability

• Conduct tests and analyze results to challenge assumptions and continuously refine our approach

• Ensure accurate execution through robust controls and clear documentation

• Translate complex data into actionable high-impact strategies

• Present findings and recommendations to leadership and stakeholders, including maintaining a pricing agenda and roadmap

• Bring innovative and original ideas to tackle novel questions in the Card space

• Partner cross-functionally across marketing, product, credit, finance, and more

What We Look For:

• 7+ years of experience in consumer finance, consulting, or other data-driven backgrounds

• Deep experience with consumer financial product pricing, particularly credit cards

• Strong proficiency in SQL, Excel

What We Offer You:

• Competitive salary and stock option plan

• 100% paid coverage of medical, dental and vision insurance

• Flexible PTO

• Competitive 401(k)

• Opportunities for professional growth and development

• Paid parental leave

• Health & wellness initiatives

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.