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.

We're looking for a Director, Product Management for our Fraud team. In this pivotal role, you'll own and drive strategic initiatives shaping our end-to-end fraud detection architecture, advanced risk models, third-party data integrations, and consumer verification systems. The role is perfect for seasoned product leaders with 10+ years of experience who excel in fast-paced fintech environments, bring deep domain expertise in risk strategies, and master the balance between robust fraud prevention and seamless user conversion. You’ll be responsible for spearheading engineering scrum teams, resolving cross-functional trade-offs, and partnering closely with fraud management, information security, data, and operations to deliver impactful, high-integrity outcomes. Please note that this is a role in a hybrid capacity based in our downtown San Francisco office, with onsite work on Tuesdays and Thursdays.

What You’ll Do:

• Drive product development for all of Upgrade’s fraud infrastructure including detection, models, third party data integration, and consumer verification measures. 
• Facilitate cross-functional decision making, driving key tradeoffs between conversion, fraud prevention, information security and operational considerations
• Partner closely with Upgrade’s fraud management team to monitor and drive improvements on all relevant fraud KPIs
• Act as product owner for scrum teams working to ship fraud platform enhancements
• Evaluate and drive implementation of new third party data and software integrations
• Work closely with the operations team to monitor, troubleshoot and solve issues.

What We Look For: 

• Significant expertise in fraud strategies, models, data sources and infrastructure in a Fintech environment preferred.
• Proven track record in leadership, organizational conflict resolution, and data-driven decision-making.
• 10+ years of product management experience in a fast-paced, entrepreneurial environment.
• Fluency with product development tools, SQL, web analytics and AB testing software.
• Experience with third party APIs & solutions integration.

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 

The compensation range of this position in San Francisco, CA is USD $180,000-$200,000 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.

#BI-Hybrid #LI-Hybrid

For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

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.