Principal Product Manager, Growth

Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit through intelligent technology. The Principal Product Manager will own the strategy and evolution of the end-to-end credit conversion experience, improving the customer journey from application through offer acceptance and funding while driving growth across Upstart’s credit portfolio.

Responsibilities:

• Own and evolve the strategy for Upstart's end-to-end conversion experience, from application start through offer acceptance and beyond
• Take on the hardest conversion problems with a customer-first mindset, such as helping users whose offer differs from what they requested understand their options and move forward with confidence
• Optimize across Upstart's credit portfolio, growing the core personal loan business while helping users find the product that best fits their needs
• Set the success metrics for your area and use them to prioritize the highest-ROI opportunities, experimenting where an experiment is the right way to decide
• Turn data into decisions, segmenting aggressively since aggregate conversion rates often mask very different user problems
• Build deep customer understanding alongside research, consumer insights, and product marketing so the borrower experience feels intuitive and human
• Influence without direct authority across engineering, design, analytics, ML, marketing, compliance, and executive leadership, creating clarity where ownership crosses teams
• Use GenAI as a real extension of your toolkit: synthesizing qualitative inputs, running exploratory analysis, and prototyping concepts to sharpen product conversations

Requirements:

• 8+ years of product management experience, including significant B2C ownership of high-scale mobile and desktop consumer experiences with proven business impact
• Demonstrated success materially improving a complex conversion funnel through a combination of product strategy, experimentation, analytics, and customer insight, with a track record of leading a team to specific KPIs (e.g., conversion improvements, revenue)
• Exceptional quantitative judgment, with the ability to assess funnel data, segment behavior, size opportunities, interpret experiments, and recognize unintended downstream effects
• Strong experimentation instincts, including hypothesis development, experiment design, A/B testing, funnel and 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
• Ability to move fluidly, and quickly, between strategic questions (“What fundamentally prevents users from getting what they came for?”) and detailed product questions (“What exactly should happen on this screen for this user segment?”)
• Track record of leading complex cross-functional initiatives and aligning diverse stakeholders, from executive leaders to cross-functional partners, without relying on organizational authority
• Excellent written and verbal communication, including the ability to turn ambiguous problems into clear priorities and decisions
• Experience in fintech, lending, financial services, marketplaces, insurance, or another regulated, high-consideration industry
• Experience with personalization, recommendation systems, matching, pricing, or ML-powered consumer experiences
• Familiarity with identity, bank linking, income verification, Plaid, or similar financial-data infrastructure
• Proven track record of building and scaling multi-product ecosystems or marketplaces in a B2C environment