About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
The Team:
Upstart’s Machine Learning & Pricing team is composed of software engineers, Machine Learning research scientists, and data scientists, on a mission to improve the accuracy of our credit risk and underwriting models and deliver the best rates for all. While the team’s primary focus is on our flagship product, Personal Loans, it is also chartered to build the pricing platform that is utilized by all Upstart loan product teams across relief, auto, and home loans.
As a Principal Product Manager at Upstart, you will ship core improvements to our pricing decision engine, with a focus on improving the accuracy of our credit underwriting models, driving increased originations for our core Personal Loan product, and building a scalable platform that can be utilized by other loan products at Upstart. You will drive the strategic direction and day-to-day execution of a cross-functional technical team of software engineers, research scientists, and data scientists that work on improvements to our pricing decision engine, the system that determines what rates consumers see when applying for a loan with Upstart.
How you’ll make an impact
- 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
Minimum Qualifications
- 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 Qualifications
- 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.
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
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At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- 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!).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
https://www.upstart.com/candidate_privacy_policy
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