Principal Product Manager, Servicing

Upstart

138d • $187,900 - $260,000

About The Position

As the Principal Product Manager for Servicing at Upstart, you will design more intelligent and efficient tools and systems for recovering funds in cases when borrowers are unable to repay their loans (charge-offs), across all Upstart loan products. You will also define the strategy for how we service one of Upstart’s most promising new products - auto loans. You’ll partner with Operations to establish the technology and processes for collections and recoveries when borrowers become delinquent, balancing customer empathy with Upstart’s business goals.

Requirements

• 6+ years experience in a product management role building both consumer-facing products and internal operational tools.
• Demonstrated success in driving business outcomes through a balance of quantitative metrics and qualitative understanding.
• Strong product sense with experience in authoring and executing on a multi-quarter roadmap.
• Rigorous and analytical problem solving; well structured, concise, and highly effective communication.
• Ownership and growth mindset; act like an owner and strive to improve yourself and the team.

Nice To Haves

• Experience building products in fintech, credit servicing, or customer support environments.
• Familiarity with voice, chat, or AI-driven multi-modal UX.
• Aptitude for and interest in credit and personal finance economic concepts.
• Experience building products with third-party vendor integrations.
• Demonstrated and expressed mission orientation, and outsized results that match your passion.

Responsibilities

• Define the strategy for Auto loan collections and recoveries, in partnership with Operations leadership.
• Deeply understand the delinquent borrowers, in collaboration with design, to deliver products that solve real human problems.
• Establish and track success metrics to assess the impact of product and operations initiatives, ensuring continuous improvement and concrete business impact.
• Leverage data-driven insights to make informed product decisions, identifying opportunities for optimization and testing hypotheses to improve key metrics.
• Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary.
• Develop vendor partnerships that align with the overall business strategy.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1,001-5,000 employees