Head of Finance, Cards

Work set-up: 
Hybrid
Work from: 
Wilmington (US)

Upgrade, Inc. logo
Upgrade, Inc. Financial Services Scaleup https://upgrade.com/
1001 - 5000 Employees
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Job description

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

We are looking for a highly analytical and strategic Head of Finance to drive profitability, business strategy, operational efficiency and enhance reporting for Upgrade Cards & Personal Lines of Credit. Reporting directly to the CFO, this role is a critical business partner to the Card business, responsible for providing financial insights and strategic guidance to the Head of Cards and the executive leadership. The ideal candidate will have a strong background in financial services especially in the credit card industry, deep knowledge of scaling businesses, and experience driving profitability in dynamic environments. This position is based out of Wilmington, DE or San Francisco, CA.

What You’ll Do: 

  • ​​Partner with Card business to build out the Valuations Infrastructure (NPV model/IRR), including providing inputs and assumptions for the initial build as well as quarterly monitoring process.
  • Co-develop monthly marketing investment decisioning criteria to allow the business to make the most optimal decision for the marketing dollars.
  • For co-brand deals, develop a “deal valuations model”- make it replicable for different types of co-brand partners.
  • Conduct Investor deal analysis, providing what-if scenarios, interfacing with large institutional investors as well as banks & credit unions.
  • Develop and maintain accurate, timely, and insightful financial reports for executive leadership and stakeholders.
  • Establish and enhance reporting frameworks to track key financial metrics and business performance.
  • Lead initiatives to analyze profitability and identify areas of opportunity.
  • Own the monthly/quarterly forecast process, ensuring alignment with corporate goals.
  • Monitor performance against budget, identify trends, and recommend actions to achieve targets.
  • Provide data-driven insights and recommendations to influence business strategy and decision-making.
  • Partner with business leaders to evaluate opportunities, pricing strategies, and cost management initiatives.
  • Collaborate with cross-functional teams to support product launches, market expansion, and operational scaling.


What We Look For:

  • Bachelor’s degree in Finance, Accounting, Economics, or a related field. MBA or CFA designation preferred.
  • 10+ years in Corporate Finance, FP&A, strategic finance, or a related field.
  • Previous experience developing models and reporting with Pigment. 
  • Experience in high-growth companies, preferably in fintech, consumer tech, or B2C product companies.
  • Previous experience in pre-IPO or public companies is highly desirable.

What We Offer You: 

  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental and vision insurance 
  • Competitive 401(k) and RRSP program  
  • Flexible PTO
  • Opportunities for professional growth and development  
  • Paid parental leave
  • Health & wellness initiatives

#BI-Hybrid  #LI-Hybrid

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.

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