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Upgrade is seeking a Senior Manager of Marketing Analytics to drive growth and optimization of its credit card product portfolio. This is a strategic, hands-on role reporting to the Head of Valuations & Investment Decisioning, serving as a key business partner to Marketing, Product, Finance, Risk, and Executive Leadership.
Key responsibilities include:
Marketing Performance & Optimization: Lead the marketing investment cycle across credit, finance, and strategy teams to launch campaigns. Architect and launch an optimization engine to target prospects while maximizing expected economics and maintaining policy thresholds. Partner with Growth Marketing to optimize campaign targeting, channel mix, creative performance, and customer acquisition cost (CAC). Build and maintain bottom-up business unit economic growth forecasts. Produce quantitative outputs supporting investor reporting, securitization performance analytics, and portfolio stratifications.
Customer & Portfolio Analytics: Build and own account valuation (unit economics) models underpinning 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 and forecasting.
The role is based in Wilmington, Delaware on a hybrid basis. Upgrade has helped over 7.5 million customers access over $42 billion in consumer credit since 2017, with a focus on affordable and responsible financial products. The company is valued at $7.3B and backed by prominent technology investors.
