Principal Product Manager, Cash Line

About this role

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:

Cash Line sits at the center of Upstart's mission to expand access to credit. As the Principal Product Manager, Cash Line, you will own our newest product end-to-end as we’re proving out product-market fit. The choices you’ll make will directly determine whether our customers get access to money they need, when they need it, in ways that build greater financial stability for them and a strong business for Upstart. Your mandate will matter, you will have real ownership, and we want you to build something category-defining from the ground up.

How you’ll make an impact

• Set the strategy for a fast-growing credit product, balancing what's good for customers with what makes a healthy business, navigating some of the hardest tradeoffs in Fintech.

• Turn insight into how people actually behave into product features that reward trust and unlock more value over time.

• Partner with Design, Engineering, ML, Risk, Finance, and Analytics to translate business and financial goals into a roadmap the team can execute against.

• Monitor the competitive landscape and adjust product and pricing decisions to keep Cash Line's offering competitive.

• Connect product decisions directly to business outcomes including contribution margin and cohort economics, operating with the accountability of a business leader as Cash Line matures.

• Leverage Upstart's existing underwriting, capital, and ecosystem strengths to grow Cash Line, while operating with the speed needed for a team still proving product-market fit.

• Set success metrics and use them to prioritize the highest-ROI opportunities, experimenting where an experiment is the right way to decide.

Minimum Qualifications

• 8+ years of product management experience, including at least 2 years owning the strategy and roadmap for a business line or major consumer-facing initiative with direct revenue or unit-economics accountability.

• Experience taking a 0-to-1 or early-stage product from initial launch through proving product-market fit, including defining MVP scope and iterating based on data and feedback.

• Exceptional quantitative judgment, with the ability to assess funnel data, segment behavior, size opportunities, interpret experiments, and recognize unintended downstream effects.

• Track record of leading complex cross-functional initiatives and aligning diverse stakeholders, from executive leaders to cross-functional partners, without relying on organizational authority.

• Strong experimentation instincts, including hypothesis development, experiment design, A/B testing, results analysis, and knowing when a test is (or is not) the right decision-making mechanism.

• Strong consumer product intuition, particularly around high-consideration decisions involving trust, uncertainty, or meaningful tradeoffs

Preferred Qualifications

• Experience with subscription-based businesses.

• Experiences building products or features that shape consumer habits.

• Experience in consumer finance, fintech, or another regulated industry.

• Experience working with Machine Learning.

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.

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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…