Product Manager, Upgrade Card

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: As a Product Manager for the Upgrade Card, you will drive the strategic evolution of a high-growth fintech platform by defining key initiatives and designing seamless product flows from conception to launch. You will leverage your technical fluency in SQL and AI-driven development to solve complex operational challenges and optimize product performance through rigorous data analysis. Collaborating cross-functionally in an entrepreneurial environment, you will play a pivotal role in scaling credit solutions that directly impact the financial health of our consumers. What You'll Do: Define and implement key initiatives for Upgrade’s credit card product, the Upgrade Card, including critical platform features and growth initiatives Work closely with the internal teams and third-party vendors to monitor, troubleshoot and solve issues across the business Define new products and features with specs, wireframes, and product flows. Work cross-functionally to define, develop, launch and scale our product. Analyze the impact of product features and define key metrics for success. What We Look For: 2+ years of product management experience in a fast-paced, entrepreneurial environment, ideally in fintech, consumer lending, or credit . Ability to lead and resolve questions across organizational stakeholders. Fluency with product development tools, SQL, web analytics, and A/B testing software and AI coding assistants such as Claude Code . Nice to Have: Experience in financial services and credit card programs preferred. Previous experience as an analyst/data analyst/product analyst. Familiarity with credit card economics, underwriting concepts, or consumer credit products What We Offer You: Competitive salary and stock option plan 100% paid coverage of medical, dental and vision insurance Flexible PTO Opportunities for professional growth and development Paid parental leave Health & wellness initiatives #BI-Hybrid #LI-Hybrid The compensation range of this position in San Francisco, CA is USD $160,000 - $180,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience. For California residents: Upgrade's CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. 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.