Principal Product Manager, Upstart
Pricing Platform
$187.9-260k
+ bonus opportunities and annual equity grants that vest quarterly
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$187.9-260k
+ bonus opportunities and annual equity grants that vest quarterly
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 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
- Experience building or managing backend platforms or infrastructure systems
- Experience working with engineering teams on large-scale, complex systems
- Experience defining product requirements and driving execution for technical products
Desirable
- Experience working on pricing systems, ads platforms, or similar optimization systems
- Experience evolving monolithic systems into modular or service-oriented architectures
- Experience working in machine learning, data science, or analytics-driven environments
- Experience operating in highly cross-functional environments with multiple stakeholders
What the job involves
- Upstart’s Pricing Platform team builds the reusable, scalable, and reliable platform that powers pricing across all Upstart loan products, including unsecured, auto, and home loans
- This team owns the core primitives that translate application data into the offers (APR) presented to customers, including eligibility, qualification, underwriting, and offer selection
- As a Principal Product Manager at Upstart, you will define and drive the strategy for one of the most critical systems at Upstart—the platform that powers how we price loans and deliver offers to customers
- This role sits at the intersection of infrastructure and product, requiring deep platform thinking and strong technical fluency
- You will lead efforts to evolve a complex, high-impact system into a scalable, modular platform that accelerates innovation across all loan products
- You will balance near-term reliability and quality improvements with long-term investments that unlock velocity and flexibility for engineering teams across the company
- Define and execute the long-term vision for Upstart’s pricing platform, enabling scalable and reusable capabilities across multiple loan products
- Improve the reliability, quality, and availability of pricing systems, reducing risk and preventing high-impact failures in a business-critical system
- Drive platform evolution from a complex, monolithic architecture toward modular, service-oriented systems that increase engineering velocity
- Partner with engineering, machine learning, and product teams across unsecured, auto, and home lending to enable new pricing capabilities and use cases
- Balance competing priorities across stakeholders, making principled tradeoffs between short-term business needs and long-term platform investments
- Identify and unlock opportunities to accelerate product development by improving platform primitives and reducing dependency bottlenecks
Our take
Based in San Mateo, California, Upstart is piositioning itself as a leading AI lending marketplace, connecting millions of consumers with more than 100 banks and credit unions. In a market where credit access can be limited by traditional scoring methods, Upstart aims to make lending fairer and more accessible by using technology to better understand each borrowers true potential.
Upstart builds AI and cloud-based tools that help lenders approve more borrowers at lower rates. Its models analyze thousands of variables (not just credit scores) to predict creditworthiness more accurately. And through its platform, consumers can access personal, auto, and home-equity loans, as well as smaller "relief" loans, all through a seamless digital experience.
So far, its success is reflected in its high loan automation rate (over 90% of loans are fully processed without human intervention) and the billions in loan originations it has facilitated. The company continues to refine its AI models and expand its offerings, with the goal of helping lenders serve more customers while making borrowing easier and more affordable.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-16% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Apr 2019
$50m
SERIES D
Mar 2017
$32.5m
SERIES D
Total funding: $135.7m
Company benefits
- Comprehensive health plans
- 401k Plan
- Annual wellness reimbursement
- Disability insurance
- Generous vacation policy
- Flexible time off
- Parental leave
- Family forming benefits through Carrot
- Technology equipment budget
- Personal development budget
- Various clubs and extracurricular activities
- Catered lunches
- Fully stocked micro-kitchen
Company HQ
South San Mateo, San Mateo, CA
Leadership
David Girouard
(Founder & CEO)They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.
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