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Principal Product Manager, Growth

September 26, 2026

The Team:

Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart's credit products, both for the first time and on an ongoing basis. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart's product portfolio into a cohesive, multi-product marketplace.

As a Principal Product Manager, you will own the strategy and evolution of Upstart's end-to-end credit conversion experience, helping users move from intent, to the right credit offering, to approval and funding. You'll identify and solve the highest-leverage points of friction across the funnel, creating an experience that feels intelligently matched, transparent, and human while driving meaningful growth for the business.

This is a role with room to take big swings. Upstart has built a strong optimization muscle, and the next chapter is less about tuning individual screens and more about fundamentally rethinking how we engage users on their way to getting funded and achieving their financial goals.

How you'll make an impact

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.

What we're looking for

Minimum Qualifications
- 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
Preferred Qualifications
- 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

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

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.

#LI-REMOTE

#LI-MidSenior

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...