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:
As an Account Manager, you will support the North American Commercial Retail team and use your business development, merchant/partner management and industry expertise to lead segment growth for Upgrade Flex Pay. You will be a customer advocate that understands how successful partnerships fuel our core objectives. You will work as the voice of our merchants and partners cross-functionally with our internal product, design, engineering, compliance, vendor management and legal teams. You will have experience in partner growth from new implementations to deep and comprehensive integrations and collaborations. You will be a thought leader and business driver, gathering feedback and insights from your partners to continuously inform and refresh Upgrade’s product position within the value chain. As an Account Manager, working across multiple cross-functional teams and engaging with numerous external partner stakeholders, you are well organized, have a keen eye for detail, succinct communication and messaging skills and a proven ability to deliver results through others.
This is a hybrid position, working 2-3 times per week in our San Francisco Office.
What You'll Do:
- Serve as relationship leader for merchants and partners, owning the relationships with their project leaders across their teams
- Meet or exceed revenue, conversion and penetration targets for existing partners
- Develop and maintain strategic account plans for key partners and merchants, lead business reviews, and recurring check-ins
- Contribute to growth opportunity identification, qualification, and sales funnel processes
- Build custom needs-based, consultative sales presentations
- Leverage data visualization software to identify business trends and deliver insights to partners
- Track progress, evaluate risks and potential problems, and communicate appropriately
- Have an understanding of marketing best practices and ability to influence partner decisions for marketing channel allocation / placement
- P&L Management: Contribute to and maintain monthly / annual forecasts for portfolio of partners
- Track progress, evaluate risks and potential problems, and communicate appropriately
- Focus on growing Upgrade’s share of partner transactions, expanding marketing campaigns/partnerships, and ultimately increasing presence
- Work closely with Product, Design, Data, Engineering, Legal, and other teams to ensure the overall Upgrade team is continuously improving the product offering
- Gather, assess, and share insights on the segments of the banking and BNPL industry showing how best to position Upgrade
- Synthesize and share industry-specific trends and recommendations
- Manage and be the subject matter expert on partner initiatives through the entire project lifecycle, including initiation, scoping, planning, testing, launch and ongoing growth
- Reporting to merchants and partners, documenting processes, and maintaining account records for optimal business success
What We Look For:
- Bachelor's Degree in a business, marketing or related field from an accredited college or university; Master's degree a plus
- Minimum of 10+ years of related business experience and a track record of continuous professional development
- Experience in the retail/travel industry is strongly preferred
- Significant expertise managing external partner relationships, including business development and growth
- Deep focus on data analytics, synthesizing results to identify opportunities, drive initiatives and evaluate effectiveness
- Consistent over-achiever against sales targets / KPIs
- Proven ability to interact with and gain the trust of clients
- Understanding of partner revenue management landscape and sales environments
- Extremely organized with acute attention to detail, proactive, emotionally intelligent, and calm under pressure
- Strong proficiency in project planning and the flexibility to adjust to different settings and shifting priorities
- Experience working and excelling in a high-paced, fast-growing, and dynamic tech environment
- Customer service-oriented towards both internal and external partners
- Comfortable operating with a high sense of urgency, enthusiastic about working with diverse and talented teams, and driven to succeed
- Excellent verbal & written communications skills
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 $150,000 - $170,000 USD annually plus bonus, 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.
#LI-Hybrid #BI-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.
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, Inc. Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Upgrade, Inc. and has not been reviewed or approved by Upgrade, Inc..
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Healthcare Strength — Healthcare coverage is considered strong, with 100% employer-paid medical, dental, and vision for employees alongside mental health, wellness, disability, life insurance, and abortion travel benefits. These elements indicate a comprehensive health and wellness package.
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Retirement Support — A 401(k) match up to 4% with immediate vesting is offered, with eligibility commonly beginning after about 90 days. This structure provides reliable savings support early in tenure.
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Leave & Time Off Breadth — Time-off policies include unlimited PTO for salaried roles, generous PTO and paid holidays, sick days, bereavement leave, and paid parental leave. Flexible time-off practices are emphasized across materials.
Upgrade, Inc. Insights
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What We Do
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.8 million customers access over $47 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 innovative technology, rapid growth, and inclusive culture. Most recently, we were named one of the World’s Best Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, Best Places to Work in Fintech by American Banker, Best Employer by Forbes, and America’s Greatest Workplaces by Newsweek. Our technology and products have also earned us spots on the World's Top 250 Fintech Companies by CNBC, Deloitte Technology Fast 500, and Fintech Breakthrough Awards. 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.
Why Work With Us
We’re consistently recognized for our innovative technology, rapid growth, 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, Best Startup Employer by Forbes, and America’s Greatest Workplaces by Newsweek.
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