Job Description
About Upstart
At Upstart we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day we bring creativity experimentation and advanced AI to reshape access to credit helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1800 signals powering smarter fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea every voice and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first giving most Upstarters the flexibility to do their best work from wherever they thrive alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites planning sessions and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus Austin the Bay Area or New York City (opening Summer 2026) you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems excited to innovate with purpose and motivated by work that truly matters we’d love to hear from you.
The Team:
Upstart’s Capital Platform team builds the systems that enable capital to flow through Upstart’s marketplace reliably transparently and at scale. The team owns the core platform capabilities used by banks credit unions and institutional investors to onboard configure lending programs execute originations and loan sales and monitor portfolio performance.
Operating at the intersection of product engineering capital markets finance and compliance the Capital Platform team focuses on building enterprise-grade configurable and reusable infrastructure that supports a growing and increasingly diverse set of capital partners across products.
This team is responsible for foundational platform capabilities including partner integrations capital execution workflows and capital insights and reporting — with an increasing emphasis on white-label and embedded capital solutions that allow partners to leverage Upstart’s technology within their own ecosystems.
As a Principal Product Manager you will be a senior hands-on individual contributor owning strategy and execution for one of Upstart’s most complex and high-impact capital platform problem spaces.
This role is well suited for a Staff+ IC who thrives in ambiguity enjoys building enterprise-grade platforms from first principles and wants to shape how lenders and investors integrate with Upstart at scale. You will lead multi-quarter initiatives that cut across product engineering finance and compliance and deliver durable extensible systems that serve both current and future capital partners.
Depending on business needs and your background you will own one or more of the following Capital Platform problem spaces:
- Capital Partner Integrations & Execution
- Own the core workflows that onboard lenders and investors execute originations and loan sales and integrate with external systems and third-party providers. Focus on scalability reliability and operational rigor across high-volume business-critical flows.
- Capital Insights & Reporting Infrastructure
- Lead the evolution of reporting systems data pipelines and customer-facing analytics that provide transparency oversight and trust for capital partners. Balance correctness auditability and usability in regulated high-reliability environments.
How you’ll make an impact
- Own the strategy roadmap and execution for a major Capital Platform problem space with material business impact
- Lead multi-quarter cross-team initiatives that require deep systems thinking and operate under significant ambiguity
- Design scalable configurable platform capabilities that serve a diverse set of capital partners without fragmentation or bespoke delivery
- Partner deeply with engineering to define product architecture tradeoffs sequencing and long-term evolution of capital platform systems
- Influence adjacent platform and vertical teams to ensure capital partner needs are consistently met across products
- Use data customer insight and domain knowledge to make high-conviction product decisions and prioritize effectively
- Deliver durable enterprise-grade solutions that meet reliability compliance and operational requirements
Minimum Qualifications
- 7+ years of product management experience or equivalent demonstrated scope and impact owning complex multi-quarter initiatives
- Demonstrated experience leading initiatives at a Principal / Staff-level individual contributor scope
- Proven track record designing and shipping platforms or shared systems not just standalone features
- Experience working with complex B2B or B2B2C workflows (e.g. onboarding configuration payments compliance reporting)
- Ability to operate effectively in regulated high-reliability environments
- Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs
- Ability to drive alignment and execution across multiple teams and stakeholders without formal authority
- Bachelor’s degree or equivalent practical experience in a technical analytical or business-related field
Preferred Qualifications
- Experience building enterprise-grade platforms or infrastructure products particularly in financial services fintech or regulated domains
- Experience with zero-to-one product development including defining problem spaces validating solutions and scaling initial implementations
- Familiarity with capital markets lending or financial operations workflows
- Experience building or evolving data platforms reporting systems or analytics products
- Background working in high-growth or scaling technology companies
- Prior collaboration with machine learning data science or advanced analytics teams
Position location This role is available in the following locations: Remote
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.
#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).
What you'll love
At Upstart our benefits are designed to support your health financial well-being family and personal growth. Here’s what you can expect:
- Competitive compensation including base pay bonus opportunities and annual equity grants that vest quarterly
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical dental and vision coverage with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits including company-paid Basic Life AD&D and Short- and Long-Term Disability coverage with options to purchase supplemental coverage
- Paid time off sick and safe time and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo supporting fertility parenthood and caregiving
- 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
- 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 and onsites all-company updates and employee resource groups (ERGs)
- Onsite perks including catered lunches and fully stocked micro-kitchens when working from one of our four offices located in the Bay Area Austin Columbus and New York City (opening Summer 2026!).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all we are committed to inclusive and fair hiring practices.
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
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI lenders can approve more borrowers at lower rates across races ages and genders while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload. Founded in 2012 Upstart’s platform includes personal loans automotive retail and refinance loans home equity lines of credit and small-dollar “relief” loans. If you are energized by the impact you think you could make at Upstart we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced and we encourage ownership at all levels of the organization. As a result culture at Upstart is driven by Upstarters. Upstarters are proactive talented multi-dimensional and collaborative.
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Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo California; Columbus Ohio; Austin Texas; and New York City NY.
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Date Posted
04/19/2026
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