Upgrade

Design and build test automation infrastructure and tooling to increase engineering productivity. | 5-7+ years building production software with experience in test frameworks, automation, and platform engineering. | 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: Our QA-Core team exists so every engineering team at Upgrade can test their software quickly and trust the result. We are seeking a Senior QA Automation Engineer on the team to architect and build test automation infrastructure, tooling, and agentic solutions to increase engineering productivity. This is not a traditional product QA role - it's a build role. You will work closely with our product teams to understand their automation requirements, design services from scratch, ship them to production clusters and own them. This is a fully remote position open to candidates who are based in the US. Our Core Technologies Include: Java, Python, Kubernetes, Selenium WebDriver, Playwright, TestNG, Maven, Git, Jenkins, ArgoCD, SQL, Grafana, SumoLogic, Docker, Gatling, Claude Code, MCP server What You'll Do: • Design and own automation framework for functional and performance testing. • Build agents to automate existing QA/testing workflows and remove engineering friction. • Build the applications and services that automation depends on, deploy them, and operate them in production environments. • Take prototypes all the way. Build demos in a timely manner, gather feedback from the teams who'd use it, and iterate through successive versions until it's hardened, monitored, and running with matured quality. • Identify gap areas in existing frameworks and tools, and iterate toward solutions that close them. What We Look For: • 5-7+ years building production software, with demonstrated depth across test infrastructure, test frameworks, and developer tooling, and working knowledge of platform engineering. • Proven track record building agentic solutions and test automation frameworks from the ground up — designed, shipped, iterated on, and adopted as part of how other engineers work. • Fluency with agentic coding tools as part of your daily workflow: ability to orchestrate multiple agents to execute, review agent-generated PRs. • Hands-on experience with micro-services, Kubernetes and managing deployment lifecycle • Ability to take an ambiguous problem statement to a scoped, defensible solution independently. What We Offer You: • Competitive salary and stock option plan • Paid coverage of medical, dental and vision insurance • Flexible PTO • Opportunities for professional growth and development • Paid parental leave • Health & wellness initiatives Environmental & Working Conditions • Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations. • Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives. • The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need. • Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position. • Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings. • Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws. 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.

Lead marketing investment cycles and build models to optimize credit card investments. | Expertise in marketing analytics, financial forecasting, and portfolio management in financial services. | 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 data-driven Senior Manager, Marketing Analytics to help drive the growth, performance, and optimization of our credit card products. In this role, you will be a key analytical partner to our Growth Marketing, Product, Finance, and Executive Leadership teams. You will play a pivotal role in designing experimentation frameworks, analyzing acquisition campaign performance, and establishing the foundational reporting infrastructure needed to scale our card business.  This is a rare, high-visibility opportunity to join immediately following a new product launch and build marketing analytics capabilities in a greenfield environment from the ground up.  This is a hybrid role based in our San Francisco office  2–3 days per week What You’ll Do Marketing Performance & Campaign Optimization * Campaign & Channel Performance: Partner closely with Growth Marketing teams to analyze and optimize marketing campaigns, acquisition funnels, channel mix, creative performance, and customer acquisition costs (CAC) across direct mail, digital, and affiliate channels.  * Optimization Engine Support: Collaborate across credit, finance, and strategy teams to support campaign launches and help refine targeting frameworks to maximize growth while maintaining risk thresholds.  * Audience & Funnel Analysis: Conduct exploratory data analysis to uncover cardholder behavior patterns, audience segmentation opportunities, and application funnel drop-off dynamics.  Experimentation & Strategic Insights * A/B & Multivariate Testing: Design, implement, and measure rigorous testing frameworks for marketing campaigns, targeting strategies, and creative assets.  * Impact & Statistical Analysis: Perform detailed test reads and statistical analyses to determine significance, conversion impacts, and downstream business impact on marketing KPIs.  * Executive Storytelling: Synthesize complex datasets into actionable, data-driven recommendations and deliver compelling presentations to leadership to guide marketing spend and strategy.  BI, Reporting & Greenfield Analytics * Automated Reporting Infrastructure: Build and maintain comprehensive dashboards and automated reporting solutions (conversion funnels, transaction trends, and channel performance) from the ground up.  * Self-Serve Analytics: Establish a clear reporting layer in our database so stakeholders across the company can easily understand business and campaign performance without writing SQL.  * Data Standards: Partner with Data Engineering and BI teams to ensure data quality, standardized KPI definitions, and scalable attribution frameworks.  What We’re Looking For * Experience: 5+ years of experience in marketing analytics, growth analytics, or business analytics.  * Domain Knowledge: Experience supporting credit card, consumer lending, digital banking, or fintech products strongly preferred. Strong familiarity with card acquisition funnels, marketing channels (e.g., Direct Mail, Digital, Affiliates), and lifecycle metrics.  * Technical Skills: Advanced proficiency in SQL and Excel and experience working with large-scale datasets. Hands-on experience with analytical programming languages (Python or R) and visualization tools (Tableau, Power BI, etc.).  * Testing & Analytics: Deep understanding of experimentation methodologies, statistical analysis, and campaign measurement.  * Business Acumen: Understanding of unit economics basics (CAC, LTV, conversion rates) and how marketing performance directly impacts business growth.  * Communication: Exceptional communication and storytelling skills with a track record of translating technical data into actionable insights for non-technical leadership.  * Mindset: Highly organized, intellectually curious, and comfortable building from zero in a fast-paced environment.  What We Offer You:  * Competitive salary ($140K-$190K) and stock option plan * Paid coverage of medical, dental and vision insurance  * Flexible PTO * Opportunities for professional growth and development  * Paid parental leave * Health & wellness initiatives -------------------------------------------------------------------------------- Environmental & Working Conditions * Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations. * Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives. * The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need. * Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position. * Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings. * Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws. 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.

Drive portfolio analytics and design credit risk policies, partnering with product and operations teams to improve payment rates and monitor outcomes. | 3-6 years experience in consumer finance or data-driven roles with strong SQL, Excel, Python skills and credit card policy background. | 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 data-driven and hands-on Manager / Sr Manager on our Card Credit Risk team to drive a variety of portfolio analytics and policy design initiatives. In this role, you'll work on policies like overlimit authorizations, payment holds, and suspensions. You will use a combination of internal and external data, along with business judgement and strategic thinking, to develop new policies and enhance existing ones. You will also track portfolio performance and surface insights for us to better manage existing customer accounts. You will partner with the business, product, and other partner teams to deliver holistic and integrated business outcomes. Your work will enhance portfolio performance, 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 or San Francisco office in a hybrid capacity. What You’ll Do: Develop and enhance policies such as overlimit authorizations, payment holds, and suspension policies Provide credit-risk support for product/marketing portfolio initiatives (Balance transfer or promotional offers, retention / graduation, etc) Partner with product to use payment alerts, digital collections UX, and other levers to enhance on-time payment rates and encourage curing from delinquency Partner with operations on testing/optimizing payment programs, hardships, etc Develop and support strategic business initiatives such as migration of our legacy card product to our next generation cards Ongoing portfolio monitoring of policy actions and outcomes What We Look For: 3-6 years of experience in consumer finance, consulting, or other data-driven backgrounds Experience with credit and analytics, particularly in a credit card policy context Strong analytical skills with the ability to translate data into clear, strategic recommendations Strong proficiency in SQL, Excel, and Python Familiarity with LLMs and AI-enabled innovation The ability to identify and articulate the business intuition in the data What We Offer You: Competitive salary and stock option plan 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.