Principal Product Manager, Financial Intelligence

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!

As the Principal PM, Intelligent Finance at Upstart, you will lead Upstart in forging a path combining a new technology-agentic AI - with a core part of our mission: helping people make choices that make them more likely to achieve their financial goals. This is a net new product, so you’ll be founding this team in close partnership with a couple of our senior leaders.

• Define and drive the product vision for an AI financial advisor that ingests complex financial data and delivers personalized, actionable guidance.
• Partner with engineering and design to prototype, test, and launch agentic AI features that make financial recommendations.
• Translate messy user inputs and 3p data into simple, coherent inputs for the advisor to consistently gather and work from.
• Establish the product strategy and roadmap from zero-to-one, making foundational decisions that shape how the product scales.
• Collaborate with compliance, risk, and business stakeholders to ensure solutions are both innovative and responsible.
• Act as the connective tissue across disciplines, unblocking challenges and ensuring speed without sacrificing quality or trust.

• 4+ years of product management experience on a fast-moving team with medium+ enterprise clients.
• 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.

• Prior 0-1 experience, preferably as a founder / product lead.
• Experience with b2c retention.
• Aptitude for and interest in credit and personal finance economic concepts.
• Demonstrated mission orientation (any mission!), and outsized results to match.
• Experience with in GenAI/LLM

Position location This role is available in the following locations:
Remote

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

Travel requirements 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 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.

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave
• Supportive…