Principal Product Manager, Upstart

• 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

Desirable

• 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
• 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