Senior PM, HELOC Decisioning — Remote Underwriting

Upstart; San Carlos (CA); On-site; USD 135,000 - 225,000; Full time

Benefits offered by this job

Competitive compensation

Annual equity grants

401(k) match

Health coverage

ESPP

Paid time off

Parental leave

Employee assistance

Wellness allowance

Productivity allowance

Office lunches

Job summary

Upstart, a leading AI lending marketplace, seeks a Senior Product Manager, HELOC Decisioning. You’ll own the strategy and execution of underwriting and verification to help more qualified borrowers access HELOCs with less friction and better rates, partnering across engineering, risk, ML, capital, and compliance.

You’ll shape backend decisioning, expand automation with new data sources and ML, and drive faster approvals while maintaining portfolio quality.

Qualifications

• 5 years of product management experience on fast‑moving, customer‑obsessed teams.
• Ability to drive business outcomes using quantitative metrics and qualitative insight.
• Strong product sense with multi‑quarter roadmaps and long‑term planning.
• Rigorous, analytical problem solving and clear communication.
• Ownership mindset with a collaborative, growth‑minded attitude.
• Excellent cross‑functional collaboration to surface trade‑offs clearly.

Responsibilities

• Own the strategy and roadmap for streamlining the our decisioning & verification experience, translating risk, capital, compliance, and borrower‑experience needs into clear priorities, requirements, and launch plans
• Collaborate cross‑functionally with Capital, Compliance, Risk, and ML on expanding underwriting guidelines to reach new borrowers; lead delivery of expanded borrower segments
• Define and evolve the backend logic for underwriting and decisioning, ensuring complex engineering systems capture all aspects of borrower risk; balance accuracy with friction, choosing the appropriate amount of data vs. uncertainty in risk tradeoffs
• Increase automation and instant approvals in the HELOC underwriting process by leveraging new data sources and/or ML (including LLMs) to reduce manual human work while increasing speed and quality

Skills

5 years of product management

data-driven decision making

roadmapping & planning

strong communication

ownership mindset

cross-functional collaboration

Job description

Upstart, a leading AI lending marketplace, seeks a Senior Product Manager, HELOC Decisioning. You’ll own the strategy and execution of underwriting and verification to help more qualified borrowers access HELOCs with less friction and better rates, partnering across engineering, risk, ML, capital, and compliance.

You’ll shape backend decisioning, expand automation with new data sources and ML, and drive faster approvals while maintaining portfolio quality.