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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 loan application experience that allows customers to effortlessly discover and access Upstart’s credit products. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit—driving growth, increasing conversion, and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace.
As the Senior Product Designer on the growth design squad, you’ll define strategy, lead user research, and shape frictionless identity, log in, and profile & account management experiences across mobile and responsive web experiences. You’ll focus on reducing friction in authentication, registration, profile and account creation, and account recovery flows—while maintaining a high bar for security, transparency, and user control. You’ll have a major impact on how users interact with Upstart’s products by crafting seamless identity interactions that feel invisible, trustworthy, and empowering.
Position Location - This role is available in the following locations: Remote
Time Zone Requirements - This team operates on the East/West Coast time zones.
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.
How you’ll make an impact
- Create user journeys, wireframes, prototypes, and polished mockups that shape the identity experiences for log in, account creation and management, registration, authentication, and profile creation and management.
- Lead research and usability studies to understand customer behavior, pain points, and expectations around login, multi-factor authentication, and account management.
- Partner with product and engineering teams to define profile and account experiences that reduce friction and boost conversion, while balancing strong security and user trust.
- Design accessible, inclusive, and scalable solutions across both internal tools and customer-facing experiences, keeping regulatory and compliance needs in mind.
- Build and maintain design artifacts (user flows, personas, interaction specs) that align identity experience strategy across the platform.
- Use quantitative and qualitative data to validate design decisions and iterate on experiences that improve user confidence and platform adoption.
- Contribute to a unified design system that supports consistent and secure identity patterns across all Upstart products.
Minimum Qualifications
- 7+ years of experience designing customer-facing digital products, with a focus on secure user flows or identity-related features (e.g. login, registration, authentication).
- Demonstrated expertise designing for both responsive web and native mobile experiences.
- Strong portfolio demonstrating end-to-end design thinking with attention to both user needs and security requirements.
Skilled with Figma and design research tools like Usertesting, Maze, or Lookback. - Experience balancing usability and privacy, with a passion for simplifying complex or sensitive user flows.
- Confident communicator and collaborator, comfortable sharing designs, receiving feedback, and partnering across disciplines including security, compliance, and engineering.
Preferred Qualifications
- Experience designing for identity systems or IAM platforms (e.g., SSO, OAuth, multi-factor authentication, account recovery).
- Familiarity with identity platforms (Auth0, Okta, Keycloak, AWS Cognito) or authentication standards (OAuth 2.0, OIDC, SAML).
- Experience in regulated industries such as fintech, healthcare, or enterprise software.
- Deep understanding of accessibility and inclusive design, particularly in trust-critical workflows.
- Ability to navigate tradeoffs between business goals, risk, and user experience in security-sensitive environments.
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
