Principal Product Manager, White Label

Upstart

5h•Remote

About The Position

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! As Principal Product Manager, White Label at Upstart, you will lead the creation of a new white label business that we expect to be our primary growth engine into 2027 and beyond. This is a foundational role with outsized impact on Upstart’s long-term growth. Upstart White Label enables some of the largest consumer banks in the U.S. to offer Upstart’s industry-leading borrower experience, automated decisioning, and capital markets partnerships under their own brand, while preserving the direct relationship between bank and borrower. We will begin by white-labeling Upstart HELOC. Today, ~90% of HELOC borrowers originate through banks. A white-labeled HELOC allows us to meet borrowers where they already are, while delivering meaningful differentiation: closing in ~7 days (vs. a 30-day industry average) and offering fixed-rate HELOCs (vs. the industry standard of variable rates) and half the cost of origination. This initial product lays the groundwork for extending white label across additional Upstart products over time.

Requirements

8+ years of product management experience on fast-moving, customer-obsessed teams.
Demonstrated ability to drive business outcomes through a strong balance of quantitative metrics and qualitative insight. You are pragmatic about data, comfortable making decisions with imperfect information, and have well-calibrated risk judgment.
Strong product sense with experience authoring and executing multi-quarter roadmaps, and living with the downstream consequences of those decisions.
Rigorous, analytical problem solver with clear, concise, and persuasive communication skills.
Ownership and growth mindset. You act like an owner, are confident yet humble, open to being wrong, and constantly seeking to improve both yourself and your team.

Nice To Haves

Prior 0→1 product experience, ideally as a product lead.
Experience building B2B or enterprise software, particularly in partnership-driven or platform-based businesses.

Responsibilities

Define and launch a new line of business: Lead end-to-end discovery to understand what it takes for Upstart to stand up a successful white label offering. Become the subject-matter expert for launching an initial V1 with a small set of core customers, then partner with Solutions Engineering to scale requirements gathering.
Deliver a successful V1 white-labeled HELOC: Own product strategy, scope, and sequencing to ensure the initial offering meets partner bank needs while being extensible across future Upstart products and lending verticals.
Enable bank demand and distribution: Partner with bank stakeholders to support demand generation across digital and in-branch channels, ensuring the product fits naturally into existing bank customer journeys.
Power effective go-to-market: Equip Sales and Account Management with the product, messaging, and tooling they need to successfully sell, launch, and scale white-labeled offerings.
Own the borrower experience end-to-end: Ensure a seamless borrower experience despite interaction across both bank-branded and Upstart-powered applications, workflows, and UX.
Reduce borrower friction: Work closely with the Verifications team to deeply understand each step in the application flow, challenge assumptions, and strategically streamline or eliminate unnecessary friction.
Define operational visibility for banks: Determine how partner banks should monitor application status, performance, and outcomes in a white-labeled environment.

Benefits

Competitive Compensation (base + bonus & equity)
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
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