Principal Product Manager, Growth

Upstart

6d•$187,900 - $260,000•Remote

About The Position

Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart's credit products, both for the first time and on an ongoing basis. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart's product portfolio into a cohesive, multi-product marketplace. 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.

Requirements

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

Nice To Haves

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

Responsibilities

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.

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!)