Principal Product Manager, Cash Line

Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. The Principal Product Manager, Cash Line will own the strategy and end-to-end development of a new credit product, guiding it from early-stage launch through product-market fit. The role involves leading cross-functional teams, making data-driven product and pricing decisions, and managing business outcomes including contribution margin and cohort economics.

Responsibilities:

• Set the strategy for a fast-growing credit product, balancing what's good for customers with what makes a healthy business, navigating some of the hardest tradeoffs in Fintech
• Turn insight into how people actually behave into product features that reward trust and unlock more value over time
• Partner with Design, Engineering, ML, Risk, Finance, and Analytics to translate business and financial goals into a roadmap the team can execute against
• Monitor the competitive landscape and adjust product and pricing decisions to keep Cash Line's offering competitive
• Connect product decisions directly to business outcomes including contribution margin and cohort economics, operating with the accountability of a business leader as Cash Line matures
• Leverage Upstart's existing underwriting, capital, and ecosystem strengths to grow Cash Line, while operating with the speed needed for a team still proving product-market fit
• Set success metrics and use them to prioritize the highest-ROI opportunities, experimenting where an experiment is the right way to decide

Requirements:

• 8+ years of product management experience, including at least 2 years owning the strategy and roadmap for a business line or major consumer-facing initiative with direct revenue or unit-economics accountability
• Experience taking a 0-to-1 or early-stage product from initial launch through proving product-market fit, including defining MVP scope and iterating based on data and feedback
• Exceptional quantitative judgment, with the ability to assess funnel data, segment behavior, size opportunities, interpret experiments, and recognize unintended downstream effects
• Track record of leading complex cross-functional initiatives and aligning diverse stakeholders, from executive leaders to cross-functional partners, without relying on organizational authority
• Strong experimentation instincts, including hypothesis development, experiment design, A/B testing, results analysis, and knowing when a test is (or is not) the right decision-making mechanism
• Strong consumer product intuition, particularly around high-consideration decisions involving trust, uncertainty, or meaningful tradeoffs
• Experience with subscription-based businesses
• Experiences building products or features that shape consumer habits
• Experience in consumer finance, fintech, or another regulated industry
• Experience working with Machine Learning