Principal Product Manager, Financial Intelligence

Upstart; United States; Remote; USD 187,000 - 260,000; Full time

Job summary

A leading AI lending marketplace is looking for a Principal PM to shape a new AI financial advisor product. The role involves defining vision, collaborating on features, and driving a multi-quarter roadmap. Candidates should have extensive product management experience and a strong analytical mindset. This remote position offers competitive compensation and a focus on diverse hiring practices.

Benefits

Competitive compensation

Comprehensive medical, dental, and vision coverage

401(k) with company match

Employee Stock Purchase Plan

Generous leave programs

Wellness reimbursement programs

Catered lunches and snacks in-office

Qualifications

• 4+ years of product management experience on a fast-moving team.
• Proven ability to drive business outcomes with data insights.
• Strong product sense and execution of multi-quarter roadmaps.
• Effective communication and problem-solving skills.

Responsibilities

• Define and drive product vision for AI financial advisor.
• Collaborate with engineering and design on innovative features.
• Translate complex data inputs for actionable recommendations.
• Establish product strategy and roadmap from zero to one.
• Ensure compliance and trust across multidisciplinary teams.

Skills

Product management experience

Analytical problem solving

Communication

Decision-making

Growth mindset

Job description

Overview

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 delivering the 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 with team members across the United States and offices in San Mateo, CA; Columbus, OH; and Austin, TX.

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!

Team

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 senior leaders.

How you’ll make an impact

• 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 third-party 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.

Minimum Qualifications

• 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 quantitative metrics and qualitative understanding. Strong decision-making with data sufficiency and appropriate risk assessment.
• Strong product sense with experience authoring and executing a multi-quarter roadmap and understanding the consequences of decisions.
• Rigorous analytical problem solving; well-structured, concise, and effective communication.
• Ownership and growth mindset; willingness to learn and improve, with accountability for outcomes.

Preferred Qualifications

• Prior 0-1 experience, preferably as a founder or product lead.
• Experience with B2C retention.
• Aptitude for and interest in credit and personal finance concepts.
• Demonstrated mission orientation and results that align with impact goals.
• Experience within GenAI/LLM.

Position location

Remote

Time zone requirements

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

Travel requirements

The majority of work can be accomplished remotely. Most employees can live and work anywhere in the U.S. but are encouraged to spend time in-person collaborating via regular on-sites. In-person sessions’ cadence varies by team and role; most teams meet once or twice per quarter for 2-4 consecutive days.

What you’ll love

• Competitive compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions
• 401(k) with company match and immediate vesting
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave
• Parental, family care, and military leave programs
• Wellness, technology & ergonomic reimbursement programs
• Social activities, ERGs, and other interest groups
• Catered lunches and snacks when in offices

United States | Remote — Anticipated Base Salary Range $187,900 — $260,000 USD

Upstart is an Equal Opportunity Employer. We celebrate all cultures, backgrounds, perspectives, and experiences, and are committed to diversity and inclusion in our hiring practices.

If you require reasonable accommodation in completing an application, interviewing, or any pre-employment testing, please email [e-mail]

https://www.upstart.com/candidate_privacy_policy