Senior Manager, ECM Policy & Portfolio Analytics

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 such as over‑limit 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 better management of existing customer accounts. 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 over‑limit 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. The compensation range of this position 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. 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, analyse, 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 centre, 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. Equal Employment Opportunity We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. #J-18808-Ljbffr Upgrade, Inc.