Senior Product Manager, Payments

Upstart

22h•$153,000 - $224,500•Remote

About The Position

Upstart's Payments team, within the Servicing organization, maintains and improves the systems and experiences that help borrowers make payments in order to stay current on their loans and recover from delinquency. The team also builds scalable payments capabilities that enable teams across Upstart to create better experiences on top of shared platform primitives. As the Senior Product Manager, Payments, you will own product strategy and execution across this space. You’ll work at the intersection of borrower outcomes and platform capabilities, helping define the evolving direction and boundaries of the Payments platform.

Requirements

5+ years of product management experience owning strategy, roadmap, metrics, and delivery for a technical, transactional, or customer-facing product.
Experience working with payments, money movement, loan servicing, billing, or a related financial product.
Experience using quantitative analysis to diagnose product problems, evaluate tradeoffs, and guide product decisions.
Experience partnering with Engineering and cross-functional teams to deliver products, systems, or platform capabilities.

Nice To Haves

Experience building or scaling a platform used by internal product or engineering teams.
Experience increasing leverage from existing systems to drive business impact.
Experience in consumer finance, fintech, or another regulated industry.
Experience working with Machine Learning.
Experience balancing near-term customer or business outcomes with longer-term platform investment.
Familiarity with using GenAI thoughtfully to improve product development, decision-making, or customer experiences.

Responsibilities

Identify the highest-impact causes of payment failures and lead solutions that improve payment success and borrower outcomes.
Improve how we understand an individual borrower’s ability to repay, including through thoughtful use of third-party data sources.
Shape a scalable Payments platform that makes it easier for teams across Upstart to build Payments capabilities.
Balance near-term business impact with longer-term investment in reusable platform primitives, making thoughtful choices about where to iterate, address technical debt, or build from scratch.
Partner closely with Engineering, Data Analytics, Machine Learning, Design, Compliance, and product leaders across Servicing to align priorities and deliver results.
Define priorities, success metrics, and a roadmap that connects platform leverage to borrower and business outcomes while identifying opportunities beyond incoming stakeholder requirements.

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!)