Principal Product Manager, Machine Learning

The Team

This team is dedicated to improving Upstart’s machine learning advantage as we continue to expand our offerings to include automobile refinancing, home equity lending, and more. Our ML product team works closely with our machine learning and engineering teams to design, develop, and improve on machine learning applications across the entire Upstart business, from user acquisition to assessing credit risk, from fraud detection to improving operational workflows.

Upstart is looking for a Principal Product Manager, Machine Learning to help us achieve our mission of enabling effortless credit based on true risk. In this role, you will work closely with our machine learning and engineering teams to design, develop, and improve on machine learning applications across the entire Upstart business. You will ship core improvements to our machine learning models, with a focus on credit risk and underwriting, thereby accelerating our core mission of delivering increasing value to borrowers over time. You will drive the strategic direction and day-to-day execution of a cross-functional technical team of research scientists, data scientists, and software engineers that aligns the interests of internal and external stakeholders. 

One of the reasons Upstart has experienced such rapid growth is because of the clear-eyed, analytical approach we take to product enhancements. The right candidate for this role should be highly capable, able to organize both ideas and people, and excel at problem solving of many kinds. You should have a bias toward action and be able to break down complex problems into steps that drive rapid product development. You will bridge the technical and business worlds as you first design services that our customers love and then engage stakeholders to make them a reality. By clearly defining requirements and removing blockers, you will act as a multiplier on the productivity of your team.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus 

Time Zone Requirements - This team operates on the East/West Coast time zones.

Travel Requirements -This team has regular onsite collaboration sessions. These occur 3 days per three months at the San Mateo or Columbus office. 

How you’ll make an impact:

• Conduct user research, analyze portfolio performance, and manage stakeholders to drive consensus towards a roadmap for our credit underwriting models
• Identify new opportunities to improve the accuracy and speed of credit underwriting decisions 
• Write detailed requirements; manage agile processes to ensure consistent execution and accurate timelines across engineering and machine learning teams
• Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary
• Deliver improved credit performance for our lending partners and investors while advocating for a excellent customer experience
• Demonstrate and encourage best practices in product management by working with other PMs throughout the company

What we’re looking for: 

Minimum requirements:

• BA/BS in Economics, Computer Science, Electrical Engineering, Mathematics, Statistics, a related technical field, or equivalent practical experience.
• 5-7 years of product management experience. 
• Knowledge of machine learning workflows (e.g. model training, online inference, feature management, etc.) 
• Experience working with a machine learning team to ship models into production.
• Demonstrated ability to achieve strategic goals in an innovative and fast-paced environment, and to evolve product strategy based on research, data and industry trends; excellent problem-solving, organizational and analytical skills.
• Passion and aptitude for credit and financing-related economic concepts.

Preferred qualifications:

• Work experience in machine learning, data science, or analytics
• Demonstrated ability to excel in informal or formal product leadership responsibilities.

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

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