About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team:
Upstart helps to originate more than $1BN in loans every quarter, but less than 5% of those loans are with Upstart’s own money. The other 95% come from Credit Unions, Banks, and Investors who entrust us with making sure they meet the regulatory requirements of any lender, their customers have a great experience, and of course that their loans perform. Upstart’s Servicing team makes this a reality through effortless, delightful experiences and precise, ML-driven decision making.
As a Senior Product Manager on Upstart’s Servicing team, you will design more personalized, effective plans for borrowers who are struggling to repay. This isn’t just good for users—it’s good business. We conservatively estimate these improvements could unlock over $500M per year across the ecosystem. That value flows back to future users through lower rates and greater access to affordable credit.
How you’ll make an impact
- Write detailed requirements, and drive roadmap consensus for how we work with our delinquent borrowers
- Understand our delinquent users deeply in collaboration with design, doing research and experimenting when necessary to create a robust mental model
- Balance customer needs and business outcomes to help shape servicing into a juggernaut
- Demonstrate and encourage best practices in product management, influencing product managers throughout the company.
Minimum Qualifications
- 4+ years of product management experience on a fast-moving team
- Demonstrated success in driving business outcomes through a balance of quant metrics and qual understanding. You’re clever and enterprising when it comes to having the minimum data necessary to make an informed decision. Your risk tolerance is well honed.
- Strong product sense. You have independently authored and executed on a multi-quarter roadmap, and have been around to see the consequences (good and bad) of your decisions.
- Rigorous and analytical problem solving; well structured, concise, and highly effective communication.
- Ownership and growth mindset. You act like an owner. You’re often right, but humble and open minded about being wrong. You’re perpetually dissatisfied and striving to improve yourself and the team.
Preferred Qualifications
- Experience in consumer fintech.
- Aptitude for and interest in credit and personal finance economic concepts
- Demonstrated and expressed mission orientation, and outsized results that match your passion
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
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Upstart San Mateo, California, USA Office
Upstart's office in San Mateo is located on the peninsula between San Francisco and the South Bay with easy Caltrain access and proximity to several apartment complexes. The office is close to several shopping donations including an outdoor beer garden.
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