Principal Product Manager, Capital Platform

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Principal Product Manager will own strategy and execution for complex capital platform initiatives, working at the intersection of product, engineering, finance, and compliance.

Responsibilities:

• Own the strategy, roadmap, and execution for a major Capital Platform problem space with material business impact
• Lead multi-quarter, cross-team initiatives that require deep systems thinking and operate under significant ambiguity
• Design scalable, configurable platform capabilities that serve a diverse set of capital partners without fragmentation or bespoke delivery
• Partner deeply with engineering to define product architecture, tradeoffs, sequencing, and long-term evolution of capital platform systems
• Influence adjacent platform and vertical teams to ensure capital partner needs are consistently met across products
• Use data, customer insight, and domain knowledge to make high-conviction product decisions and prioritize effectively
• Deliver durable, enterprise-grade solutions that meet reliability, compliance, and operational requirements

Requirements:

• 7+ years of product management experience, or equivalent demonstrated scope and impact owning complex, multi-quarter initiatives
• Demonstrated experience leading initiatives at a Principal / Staff-level individual contributor scope
• Proven track record designing and shipping platforms or shared systems, not just standalone features
• Experience working with complex B2B or B2B2C workflows (e.g., onboarding, configuration, payments, compliance, reporting)
• Ability to operate effectively in regulated, high-reliability environments
• Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs
• Ability to drive alignment and execution across multiple teams and stakeholders without formal authority
• Bachelor's degree or equivalent practical experience in a technical, analytical, or business-related field
• Experience building enterprise-grade platforms or infrastructure products, particularly in financial services, fintech, or regulated domains
• Experience with zero-to-one product development, including defining problem spaces, validating solutions, and scaling initial implementations
• Familiarity with capital markets, lending, or financial operations workflows
• Experience building or evolving data platforms, reporting systems, or analytics products
• Background working in high-growth or scaling technology companies
• Prior collaboration with machine learning, data science, or advanced analytics teams