Principal Product Manager, Pricing Platform

Upstart

9h•Remote

About The Position

At Upstart, the mission is to radically reduce the cost and complexity of borrowing for all Americans by leveraging creativity, experimentation, and advanced AI to reshape access to credit. As a leading AI lending marketplace, Upstart partners with banks and credit unions to expand access to affordable credit through technology that makes smarter, fairer decisions for millions of customers. The platform uses over one million predictions per borrower with more than 1,800 signals. Upstart operates as a digital-first company, offering flexibility for most employees to work remotely across the US and Canada, while also fostering in-person connection through team onsites and planning sessions. Offices are located in Columbus, Austin, the Bay Area, and New York City (opening Summer 2026). The Pricing Platform team at Upstart is responsible for building the reusable, scalable, and reliable platform that powers pricing across all Upstart loan products, including unsecured, auto, and home loans. This team manages the core primitives that convert application data into customer offers (APR), encompassing eligibility, qualification, underwriting, and offer selection. As a Principal Product Manager, you will be instrumental in defining and driving the strategy for this critical pricing platform. The role demands deep platform thinking and strong technical fluency, sitting at the intersection of infrastructure and product. You will lead initiatives to transform a complex, high-impact system into a scalable, modular platform, thereby accelerating innovation across all loan products and balancing immediate reliability improvements with long-term strategic investments.

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
Experience building or managing backend platforms or infrastructure systems
Experience working with engineering teams on large-scale, complex systems
Experience defining product requirements and driving execution for technical products

Nice To Haves

Experience working on pricing systems, ads platforms, or similar optimization systems
Experience evolving monolithic systems into modular or service-oriented architectures
Experience working in machine learning, data science, or analytics-driven environments
Experience operating in highly cross-functional environments with multiple stakeholders

Responsibilities

Define and execute the long-term vision for Upstart’s pricing platform, enabling scalable and reusable capabilities across multiple loan products
Improve the reliability, quality, and availability of pricing systems, reducing risk and preventing high-impact failures in a business-critical system
Drive platform evolution from a complex, monolithic architecture toward modular, service-oriented systems that increase engineering velocity
Partner with engineering, machine learning, and product teams across unsecured, auto, and home lending to enable new pricing capabilities and use cases
Balance competing priorities across stakeholders, making principled tradeoffs between short-term business needs and long-term platform investments
Identify and unlock opportunities to accelerate product development by improving platform primitives and reducing dependency bottlenecks

Benefits

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 $15,000 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!)