Senior Product Manager

Upstart; United States; Remote; USD 162,000 - 225,000; Full time

Benefits offered by this job

Competitive compensation

401(k) with company match

Employee stock purchase plan (ESPP)

Comprehensive health coverage

Wellness and productivity allowances

Job summary

Upstart is seeking a Senior Product Manager to own the strategy and roadmap for our Auto Retail software platform. You will translate dealer and customer needs into intuitive experiences, driving activation, engagement, and scale across nationwide dealerships.

You will collaborate with Engineering, Design, Analytics, Sales, Implementation, and Dealer Success to solve real workflow challenges and expand adoption, while measuring activation and retention to guide roadmap priorities.

Qualifications

• 5+ years of product management experience building customer-facing software with close customer contact.
• Proven track record of driving measurable activation and engagement as product scales.
• Strong product sense with multi-quarter roadmaps and end-to-end ownership.
• Ability to simplify complex workflows into intuitive experiences that drive adoption.
• Ability to combine quantitative metrics and qualitative insights to inform decisions.
• Excellent communication and collaboration with customers and cross-functional partners.
• Ownership mindset and comfort navigating ambiguity.

Responsibilities

• Own strategy and roadmap for dealer activation and engagement.
• Build intuitive dealer and consumer workflows to make Upstart a starting point.
• Develop partnerships and integrations with ecosystem players to add value.
• Collaborate with dealers and customer-facing teams to remove adoption barriers.
• Partner with Engineering, Design, and external providers to connect Upstart with dealer tools.
• Define and track activation, repeat usage, and retention metrics.

Skills

Product management

Activation & engagement

Roadmaps & planning

User-centric design

Data-driven decisions

Communication & collaboration

Ownership & growth mindset

Job description

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

Upstart’s Auto Retail team is bringing Upstart’s AI-powered underwriting combined with best-in-class software to help all Americans get better access, lower rates, and a better process when purchasing a vehicle. Auto lending in the US represents over $600B in annual volume across over 70K dealerships and is used by almost every household in the country, yet has record low process satisfaction, transparency, and credit access. We aim to change that. The team partners across Product, Engineering, Analytics, Machine Learning, Servicing, Fraud, dealer-facing functions and more to improve the experience for lenders, dealers, and consumers.

As a Senior Product Manager at Upstart, you will own the strategy and roadmap for your defined area of ownership within our software platform, Upstart Auto Finance. Your mandate is to turn initial adoption and activation into lasting engagement by building intuitive experiences that help dealership teams see value quickly and choose Upstart for every financing opportunity. You’ll work directly with dealers and partner across Engineering, Design, Analytics, Sales, Implementation, and Dealer Success to solve real workflow challenges and scale adoption across independent and franchise dealerships nationwide.

How you’ll make an impact

• Own the strategy and roadmap for dealer activation and engagement, translating customer needs and business goals into clear priorities, requirements, and launch plans.
• Build intuitive consumer and dealership workflow experiences that make Upstart a natural starting point for every financing transaction at a dealership.
• Identify, develop and build partnerships and integrations with others in the ecosystem to create further value for dealers within our product.
• Work directly with dealers and customer-facing teams to understand day-to-day challenges, identify barriers to adoption, and turn feedback into product improvements.
• Partner with Engineering, Design, and external providers to connect Upstart with the tools dealers already use, including customer relationship management and dealer management systems.
• Define and improve activation, repeat usage, and retention metrics, using quantitative analysis and qualitative insights to prioritize opportunities and measure results.

Minimum Qualifications

• 5+ years of product management experience building customer-facing software on teams that move quickly and stay close to customers.
• A proven track record of driving measurable improvement in activation and engagement with a product as it scales beyond initial product-market fit.
• Strong product sense, with experience defining and executing multi-quarter roadmaps and owning outcomes from discovery through launch and iteration.
• Demonstrated ability to simplify complex workflows into intuitive experiences that drive adoption and ongoing engagement.
• Ability to combine quantitative metrics and qualitative customer insights to make sound decisions, including when information is incomplete.
• Clear, persuasive communication and strong collaboration skills, with experience working directly with customers and aligning technical and business partners around priorities and tradeoffs.
• An ownership and growth mindset: comfortable navigating ambiguity, adapting to new information, and continuously improving the product and how your team works.

Preferred Qualifications

• Experience building B2B software for small or medium-sized businesses, particularly tools used regularly as part of customers’ workflows.
• Experience with third-party integrations, fintech, lending, or B2B2C products.

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.

At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our 'digital first' philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range

$162,100-$224,500 USD

At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our 'digital first' philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

Canada | Remote - Anticipated Base Salary Range

$153,000-$190,000 CAD

What you'll love

At Upstart, our benefits for full-time employees 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
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life-centered resources
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [e-mail]

https://www.upstart.com/candidate_privacy_policy