Principal Product Manager, Cash Line

Upstart

3d•$187,900 - $260,000•Remote

About The Position

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 3,000 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, 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: Cash Line sits at the center of Upstart's mission to expand access to credit. As the Principal Product Manager, Cash Line, you will own our newest product end-to-end as we’re proving out product-market fit. The choices you’ll make will directly determine whether our customers get access to money they need, when they need it, in ways that build greater financial stability for them and a strong business for Upstart. Your mandate will matter, you will have real ownership, and we want you to build something category-defining from the ground up. How you’ll make an impact Set the strategy for a fast-growing credit product, balancing what's good for customers with what makes a healthy business, navigating some of the hardest tradeoffs in Fintech. Turn insight into how people actually behave into product features that reward trust and unlock more value over time. Partner with Design, Engineering, ML, Risk, Finance, and Analytics to translate business and financial goals into a roadmap the team can execute against. Monitor the competitive landscape and adjust product and pricing decisions to keep Cash Line's offering competitive. Connect product decisions directly to business outcomes including contribution margin and cohort economics, operating with the accountability of a business leader as Cash Line matures. Leverage Upstart's existing underwriting, capital, and ecosystem strengths to grow Cash Line, while operating with the speed needed for a team still proving product-market fit. Set success metrics and use them to prioritize the highest-ROI opportunities, experimenting where an experiment is the right way to decide.

Requirements

8+ years of product management experience, including at least 2 years owning the strategy and roadmap for a business line or major consumer-facing initiative with direct revenue or unit-economics accountability.
Experience taking a 0-to-1 or early-stage product from initial launch through proving product-market fit, including defining MVP scope and iterating based on data and feedback.
Exceptional quantitative judgment, with the ability to assess funnel data, segment behavior, size opportunities, interpret experiments, and recognize unintended downstream effects.
Track record of leading complex cross-functional initiatives and aligning diverse stakeholders, from executive leaders to cross-functional partners, without relying on organizational authority.
Strong experimentation instincts, including hypothesis development, experiment design, A/B testing, 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

Nice To Haves

Experience with subscription-based businesses.
Experiences building products or features that shape consumer habits.
Experience in consumer finance, fintech, or another regulated industry.
Experience working with Machine Learning.

Responsibilities

Set the strategy for a fast-growing credit product, balancing what's good for customers with what makes a healthy business, navigating some of the hardest tradeoffs in Fintech.
Turn insight into how people actually behave into product features that reward trust and unlock more value over time.
Partner with Design, Engineering, ML, Risk, Finance, and Analytics to translate business and financial goals into a roadmap the team can execute against.
Monitor the competitive landscape and adjust product and pricing decisions to keep Cash Line's offering competitive.
Connect product decisions directly to business outcomes including contribution margin and cohort economics, operating with the accountability of a business leader as Cash Line matures.
Leverage Upstart's existing underwriting, capital, and ecosystem strengths to grow Cash Line, while operating with the speed needed for a team still proving product-market fit.
Set success metrics and use them to prioritize the highest-ROI opportunities, experimenting where an experiment is the right way to decide.

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