About Upstart 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! The Team: Upstart’s Servicing team is responsible for the entire customer journey after a loan is funded. We ensure that borrowers stay on track with payments, help them when they struggle to pay, and drive collections and recoveries when they are unable to pay . We do this through a combination of borrower-facing tools, customer support agents, and AI-agents, powered by Upstart’s ML-driven decision making. We deliver better financial outcomes for borrowers, and business outcomes for Upstart. As the Senior 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.