Principal Product Manager, White Label

As Principal Product Manager, White Label at Upstart, you will lead the creation of a new white label business that we expect to be our primary growth engine into 2027 and beyond. This is a foundational role with outsized impact on Upstart’s long-term growth.

Upstart White Label enables some of the largest consumer banks in the U.S. to offer Upstart’s industry-leading borrower experience, automated decisioning, and capital markets partnerships under their own brand, while preserving the direct relationship between bank and borrower.

We will begin by white-labeling Upstart HELOC. Today, ~90% of HELOC borrowers originate through banks. A white-labeled HELOC allows us to meet borrowers where they already are, while delivering meaningful differentiation: closing in ~7 days (vs. a 30-day industry average) and offering fixed-rate HELOCs (vs. the industry standard of variable rates) and half the cost of origination. This initial product lays the groundwork for extending white label across additional Upstart products over time.

How You’ll Make an Impact

• Define and launch a new line of business: Lead end-to-end discovery to understand what it takes for Upstart to stand up a successful white label offering. Become the subject-matter expert for launching an initial V1 with a small set of core customers, then partner with Solutions Engineering to scale requirements gathering.
• Deliver a successful V1 white-labeled HELOC: Own product strategy, scope, and sequencing to ensure the initial offering meets partner bank needs while being extensible across future Upstart products and lending verticals.
• Enable bank demand and distribution: Partner with bank stakeholders to support demand generation across digital and in-branch channels, ensuring the product fits naturally into existing bank customer journeys.
• Power effective go-to-market: Equip Sales and Account Management with the product, messaging, and tooling they need to successfully sell, launch, and scale white-labeled offerings.
• Own the borrower experience end-to-end: Ensure a seamless borrower experience despite interaction across both bank-branded and Upstart-powered applications, workflows, and UX.
• Reduce borrower friction: Work closely with the Verifications team to deeply understand each step in the application flow, challenge assumptions, and strategically streamline or eliminate unnecessary friction.
• Define operational visibility for banks: Determine how partner banks should monitor application status, performance, and outcomes in a white-labeled environment.
  

• 8+ years of product management experience on fast-moving, customer-obsessed teams.
• Demonstrated ability to drive business outcomes through a strong balance of quantitative metrics and qualitative insight. You are pragmatic about data, comfortable making decisions with imperfect information, and have well-calibrated risk judgment.
• Strong product sense with experience authoring and executing multi-quarter roadmaps, and living with the downstream consequences of those decisions.
• Rigorous, analytical problem solver with clear, concise, and persuasive communication skills.
• Ownership and growth mindset. You act like an owner, are confident yet humble, open to being wrong, and constantly seeking to improve both yourself and your team.
  

• • Prior 0→1 product experience, ideally as a product lead.
  • Experience building B2B or enterprise software, particularly in partnership-driven or platform-based businesses.

Position location This role is available in the following locations: Remote [A specific city/location is not required if the role does not have an in-person requirement]

Time zone requirements The team operates on the East/West coast time zones. [Only use this section if there are specific time zone requirements that this role must work in; if the role is remote-US or can work in any timezone in the US, please remove this section.]

[OPTIONAL] In-Office requirements.  You will be required to work from the {insert location}  office x days per week/month. 

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.

What you'll love: 

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave  
• Supportive parental, family care, and military leave programs
• Annual wellness, technology & ergonomic reimbursement programs
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Catered lunches + snacks & drinks when working in offices

#LI-REMOTE

#LI-NotApplicable

#LI-Internship --> use for internships

#LI-Entry --> use for new graduate roles, L1, L2

#LI-Associate --> use for L3, L4

#LI-MidSenior --> use for L5, L6

#LI-Director --> use for L7

#LI-Executive --> use for L8+