Upstart · 4 hours ago
Principal Product Manager, Machine Learning and Pricing
United States
Full-time
Remote
Senior Level, Lead/Staff
$188K/yr - $260K/yr
5+ years expUpstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for all Americans. As a Principal Product Manager, you will enhance the pricing decision engine and improve credit underwriting models while leading a cross-functional team of engineers and data scientists.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Conduct user research, analyze portfolio performance, and manage stakeholders to drive consensus towards a roadmap for our pricing decision engine
Identify new opportunities to improve the accuracy and speed of credit underwriting decisions
Write detailed requirements; manage agile processes to ensure consistent execution and accurate timelines across engineering and machine learning teams
Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary
Deliver improved credit performance for our lending partners and investors while advocating for an excellent customer experience
Demonstrate and encourage best practices in product management by working with other PMs throughout the company
Qualification
Required
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
Knowledge of machine learning workflows (e.g. model training, online inference, feature management, etc.)
Experience working with a machine learning team to ship models into production
Demonstrated ability to achieve strategic goals in an innovative and fast-paced environment, and to evolve product strategy based on research, data and industry trends; excellent problem-solving, organizational and analytical skills
Passion and aptitude for credit and financing-related economic concepts
Preferred
Work experience in credit risk and underwriting
Work experience in machine learning, data science, or analytics
Demonstrated ability to excel in informal or formal product leadership responsibilities
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!)
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
The Motley Fool
2026-01-23
Business Wire
2026-01-22
The Motley Fool
2026-01-03
Company data provided by crunchbase