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About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team
Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart’s credit products, both for the first time and on an ongoing basis. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace.
As a Principal Product Manager, you will own the strategy and execution for the conversion team, focusing on improving the loan application and onboarding experience for Upstart, and helping unify Upstart's credit offerings into a unified application experience. You’ll collaborate with cross-functional teams to drive both large-scale initiatives and smaller, data-driven experiments that optimize customer and business outcomes.
How you’ll make an impact:
- Develop and execute strategies to drive growth for top of funnel conversions, focusing on Upstart’s personal loan product and enhancing the product experience across multiple credit offerings to build a cohesive multi-product marketplace.
- Establish and track success metrics to assess the impact of product initiatives, ensuring continuous optimization and improved outcomes.
- Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary
- Collaborate closely with product managers, engineering, analytics, design, and marketing to align goals and streamline processes, ensuring cross-functional coordination and successful delivery of initiatives.
- Leverage data-driven insights to make informed product decisions, identifying opportunities for optimization and testing hypotheses to improve key metrics.
- Deeply understand the customer through ongoing collaboration with consumer insights, product marketing, and product teams, ensuring the borrower experience is intuitive, seamless, and meets evolving customer needs.
What we’re looking for:
- Minimum requirements:
- 6+ years experience in a product management role focused on conversion optimization with demonstrated success leading a team to meet specific KPIs (e.g., conversion improvements, revenue)
- Strong experimentation and data analytics skills, including hypothesis generation, A / B testing, funnel and results analysis
- Exceptional collaboration skills, with a proven ability to align diverse stakeholders - from executive leaders to cross-functional partners - around a shared strategy.
- A user-first mindset, with the ability to distill complex customer insights into elegant, high-utility product experiences.
- Strong judgment and prioritization skills, able to identify high-leverage opportunities and navigate trade-offs with confidence and clarity.
- Preferred qualifications:
- Experience building consumer products for technology companies, preferably in highly regulated industries (financial services, healthcare, etc.)
- Proven track record of building and scaling multi-product ecosystems or marketplaces in a B2C environment.
- Strong customer-centric mindset with the ability to translate customer insights into actionable product features and enhancements.
Position Location - This role is available in the following locations: Remote, USA; San Mateo, CA,
Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-MidSenior
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
https://www.upstart.com/candidate_privacy_policy
Upstart Austin, Texas, USA Office
Upstart's office in Austin overlooks a waterfront park, Auditorium Shores, in the trendy Bouldin Creek neighborhood. With views of the Austin skyline, the office serves as a hub for our sales teams. The workspace is also available to ATX Upstarters seeking an in-office experience.
What you need to know about the Austin Tech Scene
Key Facts About Austin Tech
- Number of Tech Workers: 180,500; 13.7% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Dell, IBM, AMD, Apple, Alphabet
- Key Industries: Artificial intelligence, hardware, cloud computing, software, healthtech
- Funding Landscape: $4.5 billion in VC funding in 2024 (Pitchbook)
- Notable Investors: Live Oak Ventures, Austin Ventures, Hinge Capital, Gigafund, KdT Ventures, Next Coast Ventures, Silverton Partners
- Research Centers and Universities: University of Texas, Southwestern University, Texas State University, Center for Complex Quantum Systems, Oden Institute for Computational Engineering and Sciences, Texas Advanced Computing Center
