About Upstart
Upstart is a 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 two-thirds of Upstart loans are approved instantly and are fully automated.
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!
The Team:
Upstart’s Home Lending Team is tackling the largest credit market in the world. Our first product, a Home Equity Line of Credit (HELOC), aspires to be the best way for homeowners to borrow money. We aim to approve most applicants in minutes and get funds in a few days, compared to a month+ industry average. By applying machine learning and unique data to the underwriting process, we can say yes to more applicants, at competitive rates, while dramatically reducing cost and time required to close.
Our team is a bit like a startup in a larger company, iterating quickly to better serve customers and grow the business. As we scale our HELOC product, we expect to launch a purchase mortgage product to streamline the homebuying process and responsibly expand access to credit.
The role:
As a Senior Product Manager, Home Lending - Growth you’ll be a founding member of our newest sub-team: Home Lending Growth. Your mission: drive rapid and profitable growth from 1-100. You’ll design experiences and ship software to better reach and convert customers, across our own site; marketing channels like email, SMS, and direct mail; and integrations with partner sites. You’ll frequently work across teams and companies. The best candidates will be hungry to deliver impact, high ownership and autonomous, and effective working across diverse and cross-functional teams. You’ll be equally comfortable setting long-term roadmaps as rolling up your sleeves to do the work yourself.
How you’ll make an impact:
- Set and deliver on ambitious growth goals, in partnership with marketing. You’ll partner with channel teams to build software to enable their goals, while setting and owning goals for product-driven growth.
- Ship software to drive growth, in partnership with engineering. You’ll define requirements, map out data and process flows, and work across growth, product and engineering to ship solutions.
- Design intuitive customer experiences, in partnership with product design. You’ll do research to understand our customer deeply, and design simple and compelling experiences - such as customized landing pages, application flows, and merchandising experiences - to solve them.
- Unblock strategic experimentation. You’ll enable onsite, email, and SMS experimentation to offer HELOCs to applicants already coming to Upstart.com, or to reengage customers who started but didn’t complete the process.
- Leverage unique data across channels. You’ll develop a strategy for better leveraging first party data, as well as identifying and integrating new third party data sources, to better reach and convert our target customer. You’ll build connective tissue between our machine learning, analytics, marketing, and product teams to help us better use data across channels.
- Strengthen our analytical foundations. You’ll work closely with the Marketing Analytics team to ensure the accuracy of data infrastructure. This collaboration is crucial for making informed decisions on marketing spend and optimizing the effectiveness of our campaigns.
Minimum Qualifications:
4+ years of product management experience, preferably in consumer software or growth. You’ve shipped great software before that delights the customers and delivers business results.Gets results. You have a track record of setting and delivering on ambitious goals.Strong technical abilities. You’ve written detailed requirements for engineering, including detailed process flows. Analytically rigorous. You bring structure and order to ambiguous problems. You write your own SQL queries and pull your own data. You’ve run or analyzed experiments yourself.Cross-functional project management. You work seamlessly across marketing, product, engineering, and data / analytics teams. You keep the trains running and hit your target dates. 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.
Preferred Qualifications:
- Experience with marketing technology: Salesforce or other email / SMS platforms, customer data platforms
- Experience working with Machine Learning models, particularly uplift or attribution models
- Experience with sophisticated online experimentation
- Experience with 3rd party data integrations
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.
What you'll love:
- 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 parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-MidSenior
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
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
Gallery
Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
