Senior Product Manager

Role Description

As the Senior Product Manager, you will drive the strategic direction and day-to-day execution of a cross-functional team of software engineers, UX designers, and marketing experts to drive growth of the Auto Secured Personal Loans (ASPL) product. You’ll also work closely with research scientists, data analysts, legal and compliance experts, and our Operations team to understand and improve the mechanics of the product. You have unending curiosity, always seeking to learn the “what” and “why” of how things work. You find it rewarding to build something and watch it grow.

• Deeply understand the potential ASPL borrower and their motivation for choosing a secured loan.
• Define the strategy on how and where we can offer ASPL to applicants in our core Personal Loans funnel.
• Analyze the limiters that prevent us from offering ASPL to more borrowers and define a plan to remove those limiters.
• Partner with engineering manager, product designer, product leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards.
• Partner with our Capital Markets organization to execute a plan to onboard capital for ASPL.

Qualifications

• 4+ years of product management experience on fast-moving, consumer-obsessed teams.
• Strong product sense. You have independently authored and executed on a multi-quarter roadmap, and have been around to see the consequences (good and bad) of your decisions.
• Rigorous and analytical problem solving; well structured, concise, and highly effective communication.
• Ownership and growth mindset. You act like an owner. You’re often right, but humble and open minded about being wrong. You’re perpetually dissatisfied and striving to improve yourself and the team.

Requirements

• Experience building products in fintech or consumer lending.
• Experience with KYC/KYB or verifications, especially with AI automation.
• Experience with securitization and capital markets.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only).
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only).
• Income protection benefits, including life insurance and disability coverage for added financial security.
• Paid time off, sick leave, and company holidays, in line with local requirements.
• Paid family and parental leave to support caregiving and major life moments (duration varies by country).
• Family-centered benefits to support fertility, parenthood, and caregiving needs.
• Employee Assistance Program (EAP) offering mental health support and life-centered resources.
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only).
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you.
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from.
• Connection and community through team events, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).