Senior Product Designer

The Team

Upstart’s AI Experience Platform (AIXP) team is building the next generation of AI‑native product experiences that transform how borrowers interact with their finances. Within this pillar, the team partners closely with Payments and Borrower Experience to design intuitive, trustworthy interactions across both traditional interfaces and emerging conversational surfaces.

Senior Product Designer on this team will lead the design of AI‑powered payment experiences that directly impact borrower financial health. You will bridge platform capabilities and real user needs, shaping how borrowers make, manage, and recover payments through both UI and conversational interfaces.

• Design end‑to‑end payment experiences across web interfaces and conversational AI agents, ensuring consistency and clarity across interaction modes
• Translate complex payment workflows (e.g., ACH, debit, failed payments) into intuitive user experiences that handle edge cases and error states effectively
• Define and evolve interaction patterns for conversational interfaces, including dialogue flows, fallback behaviors, and multi‑step task completion
• Partner closely with product managers and engineers to shape product direction, scope solutions, and deliver high‑impact user outcomes
• Use data and experimentation (e.g., A/B testing, user behavior insights) to iterate on designs and improve key metrics such as payment success and engagement
• Contribute to and extend design systems by establishing reusable patterns for AI‑native and conversational experiences

• Bachelor’s degree in Design, Human‑Computer Interaction, Computer Science, or a related field (or equivalent practical experience)
• 5+ years of product design experience delivering end‑to‑end user experiences for digital products
• Experience designing conversational, chat‑based, or AI‑assisted user interfaces
• Experience designing complex workflows with branching logic, edge cases, and error handling
• Proficiency with Figma and prototyping tools for interactive or conversational flows

• Experience designing LLM‑powered interfaces such as chatbots, AI agents, or copilots
• Experience designing transactional or financial workflows such as payments, checkout, or lending
• Familiarity with fintech or regulated consumer products
• Ability to define new interaction patterns in emerging product spaces
• Experience working with design systems and contributing reusable components or frameworks

This role is available in the following locations:
Remote

The team operates on the East/West coast time zones.

As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high quality time in‑person collaborating via regular onsites. The in‑person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2–4 consecutive days at a time.

At Upstart, our benefits are designed to support your health, financial well‑being, family, and personal growth. Here’s what you can expect:

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
• Affordable medical, dental, and vision coverage, with multiple plan options – Upstart covers 90% to 100% of the cost depending on the plans you choose
• Health Savings Account contributions from Upstart for eligible plans
• Income protection benefits, including company‑paid Basic Life, AD&D, and Short‑ and Long‑Term Disability coverage, with options to purchase supplemental coverage
• Paid time off, sick and safe time, and company holidays
• Paid family and parental leave to support caregiving and major life moments
• Family‑centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
• Employee Assistance Program (EAP) offering mental…