Upstart · 21 hours ago
Principal Product Manager, Servicing
United States
Full-time
Remote
Senior Level, Lead/Staff
$188K/yr - $260K/yr
6+ years expUpstart is an AI lending marketplace committed to reducing borrowing costs for Americans. As the Principal Product Manager for Servicing, you will leverage machine learning to enhance the borrower experience and drive business impact by creating personalized interventions throughout the borrower journey.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Define the strategy how and where ML-based interventions can have the most impact within Servicing at Upstart
Create systems and processes that enable the team to consistently deliver ML models that drive outsized business impact
Partner closely with other PMs and engineers across servicing to understand the borrower touchpoints and interventions that should be more personalized
Deeply understand Upstart’s borrowers, enabling you to design systems that make the right personalization decisions
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
Qualification
Required
6+ years experience in a product management role building both ML-based systems and consumer-facing products
Demonstrated success in driving business outcomes through a balance of quantitative metrics and qualitative understanding. You're clever and enterprising when it comes to having the minimum data necessary to make an informed decision. Your risk tolerance is well honed
Strong product sense. You have independently authored and executed on a multi-quarter roadmap, and have been around to see the consequences (good and bad) of your decisions
Rigorous and analytical problem solving; well structured, concise, and highly effective communication
Ownership and growth mindset. You act like an owner. You're often right, but humble and open minded about being wrong. You're perpetually dissatisfied and striving to improve yourself and the team
Preferred
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
Demonstrated and expressed mission orientation, and outsized results that match your passion
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