Principal Product Manager, Machine Learning and Pricing
Principal Product Manager, Machine Learning and Pricing
- R-5689
- Product
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 simultaneously delivering the exceptional 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, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026).
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 Machine Learning & Pricing team is composed of software engineers, Machine Learning research scientists, and data scientists, on a mission to improve the accuracy of our credit risk and underwriting models and deliver the best rates for all. While the team’s primary focus is on our flagship product, Personal Loans, it is also chartered to build the pricing platform that is utilized by all Upstart loan product teams across relief, auto, and home loans.
As a Principal Product Manager at Upstart, you will ship core improvements to our pricing decision engine, with a focus on improving the accuracy of our credit underwriting models, driving increased originations for our core Personal Loan product, and building a scalable platform that can be utilized by other loan products at Upstart. You will drive the strategic direction and day-to-day execution of a cross-functional technical team of software engineers, research scientists, and data scientists that work on improvements to our pricing decision engine, the system that determines what rates consumers see when applying for a loan with Upstart.
How you’ll make an impact
- Conduct user research, analyze portfolio performance, and manage stakeholders to drive consensus towards a roadmap for our pricing decision engine
- Identify new opportunities to improve the accuracy and speed of credit underwriting decisions
- Write detailed requirements; manage agile processes to ensure consistent execution and accurate timelines across engineering and machine learning teams
- Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary
- Deliver improved credit performance for our lending partners and investors while advocating for an excellent customer experience
- Demonstrate and encourage best practices in product management by working with other PMs throughout the company
Minimum Qualifications
- BA/BS in Economics, Computer Science, Electrical Engineering, Mathematics, Statistics, a related technical field, or equivalent practical experience.
- 5-7 years of product management experience.
- Knowledge of machine learning workflows (e.g. model training, online inference, feature management, etc.)
- Experience working with a machine learning team to ship models into production.
- Demonstrated ability to achieve strategic goals in an innovative and fast-paced environment, and to evolve product strategy based on research, data and industry trends; excellent problem-solving, organizational and analytical skills.
- Passion and aptitude for credit and financing-related economic concepts.
Preferred Qualifications
- Work experience in credit risk and underwriting
- Work experience in machine learning, data science, or analytics
- Demonstrated ability to excel in informal or formal product leadership responsibilities.
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.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- 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).
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 candidate_accommodations@upstart.com
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