Principal Product Manager, Growth

Role Description

As a Principal Product Manager, you will own the strategy and evolution of Upstart's end-to-end credit conversion experience, helping users move from intent, to the right credit offering, to approval and funding. You'll identify and solve the highest-leverage points of friction across the funnel, creating an experience that feels intelligently matched, transparent, and human while driving meaningful growth for the business.

This is a role with room to take big swings. Upstart has built a strong optimization muscle, and the next chapter is less about tuning individual screens and more about fundamentally rethinking how we engage users on their way to getting funded and achieving their financial goals.

How you’ll make an impact

• Own and evolve the strategy for Upstart's end-to-end conversion experience, from application start through offer acceptance and beyond.
• Take on the hardest conversion problems with a customer-first mindset, such as helping users whose offer differs from what they requested understand their options and move forward with confidence.
• Optimize across Upstart's credit portfolio, growing the core personal loan business while helping users find the product that best fits their needs.
• Set the success metrics for your area and use them to prioritize the highest-ROI opportunities, experimenting where an experiment is the right way to decide.
• Turn data into decisions, segmenting aggressively since aggregate conversion rates often mask very different user problems.
• Build deep customer understanding alongside research, consumer insights, and product marketing so the borrower experience feels intuitive and human.
• Influence without direct authority across engineering, design, analytics, ML, marketing, compliance, and executive leadership, creating clarity where ownership crosses teams.
• Use GenAI as a real extension of your toolkit: synthesizing qualitative inputs, running exploratory analysis, and prototyping concepts to sharpen product conversations.

Qualifications

• 8+ years of product management experience, including significant B2C ownership of high-scale mobile and desktop consumer experiences with proven business impact.
• Demonstrated success materially improving a complex conversion funnel through a combination of product strategy, experimentation, analytics, and customer insight, with a track record of leading a team to specific KPIs (e.g., conversion improvements, revenue).
• Exceptional quantitative judgment, with the ability to assess funnel data, segment behavior, size opportunities, interpret experiments, and recognize unintended downstream effects.
• Strong experimentation instincts, including hypothesis development, experiment design, A/B testing, funnel and results analysis, and knowing when a test is (or is not) the right decision-making mechanism.
• Strong consumer product intuition, particularly around high-consideration decisions involving trust, uncertainty, or meaningful tradeoffs.
• Ability to move fluidly, and quickly, between strategic questions (“What fundamentally prevents users from getting what they came for?”) and detailed product questions (“What exactly should happen on this screen for this user segment?”).
• Track record of leading complex cross-functional initiatives and aligning diverse stakeholders, from executive leaders to cross-functional partners, without relying on organizational authority.
• Excellent written and verbal communication, including the ability to turn ambiguous problems into clear priorities and decisions.

Requirements

• Experience in fintech, lending, financial services, marketplaces, insurance, or another regulated, high-consideration industry.
• Experience with personalization, recommendation systems, matching, pricing, or ML-powered consumer experiences.
• Familiarity with identity, bank linking, income verification, Plaid, or similar financial-data infrastructure.
• Proven track record of building and scaling multi-product ecosystems or marketplaces in a B2C environment.

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!).