# Senior Manager, Card Credit Risk - Line Management at Upgrade

- Company: Upgrade
- What the company does: Backed by USV.
- Company website: https://www.upgrade.com
- Type: Startups
- Level: Senior
- Location: San Francisco; Wilmington
- Work setup: On-site
- Pay: $140K to $190K base salary per year (USD)
- Posted: 2026-07-14
- Apply by: 2026-10-08
- Apply: https://job-boards.greenhouse.io/upgrade/jobs/4715129005
- Page: https://www.1752.vc/careers/jobs/upgrade-senior-manager-card-credit-risk-line-management/

## About the role

We're seeking a data-driven and hands-on Sr Manager on our Card Credit Risk team to lead line management strategy for our card portfolio - owning credit line increase (CLI), decrease (CLD), and closure policy end-to-end. In this role, you'll design and evolve CLI policy for both early and mature accounts, using a combination of internal and external data, along with business judgment and strategic thinking, to size and value line changes and refine existing policy over time.

## What they're looking for

- Serve as the SME for Card line management, including CLI, CLD, and closures
- Take an integrated view of the business in developing CLI eligibility and increase amount policies, balancing revenue opportunity and credit losses
- Own Credit Line Decrease (CLD) and closure policy, including triggers and treatment, as/if needed
- Monitor CLI program performance by segments and other dimensions to identify emerging trends
- Design and deploy policy enhancements based on internal data, industry/macro trends, and business judgement
- Partner with data science team to develop and enhance line assignment models, including risk and utilization models

Tags: Credit Risk