Senior Product Manager, Upstart

• 5+ 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
• Stellar communication & collaboration skills to partner closely with xfn partners & surface relevant trade-offs clearly

Desirable

• As the Senior Product Manager, Decisioning & Automation at Upstart, you will own the strategy and execution of our underwriting and verification experience, helping more qualified borrowers access HELOCs with less friction and better rates
• You'll partner across engineering, risk, ML, capital, and compliance to expand borrower eligibility, increase automation and instant approvals, and build intelligent decisioning systems that optimize conversion, operational efficiency, and portfolio quality
• Own the strategy and roadmap for streamlining the our decisioning & verification experience, translating risk, capital, compliance, and borrower-experience needs into clear priorities, requirements, and launch plans
• Collaborate cross-functionally with Capital, Compliance, Risk, and ML on expanding underwriting guidelines to reach new borrowers; lead delivery of expanded borrower segments
• Define and evolve the backend logic for underwriting and decisioning, ensuring complex engineering systems capture all aspects of borrower risk; balance accuracy with friction, choosing the appropriate amount of data vs
• Uncertainty in risk tradeoffs
• Increase automation and instant approvals in the HELOC underwriting process by leveraging new data sources and/or ML (including LLMs) to reduce manual human work while increasing speed and quality