Principal Product Manager, Capital Platform

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 (opening Summer 2026), 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.

Upstart’s Capital Platform team builds the systems that enable capital to flow through Upstart’s marketplace reliably, transparently, and at scale. The team owns the core platform capabilities used by banks, credit unions, and institutional investors to onboard, configure programs, execute originations and loan sales, and monitor portfolio performance. Operating at the intersection of product, engineering, capital markets, finance, and compliance, the Capital Platform team focuses on building enterprise-grade, configurable, and reusable infrastructure that supports a growing and increasingly diverse set of capital partners across products.

This team is responsible for foundational platform capabilities including partner integrations, capital execution workflows, and capital insights and reporting — with an increasing emphasis on white-label and embedded capital solutions that allow partners to leverage Upstart’s technology within their own ecosystems.

• Own the strategy, roadmap, and execution for a major Capital Platform problem space with material business impact
• Lead multi-quarter, cross-team initiatives that require deep systems thinking and operate under significant ambiguity
• Design scalable, configurable platform capabilities that serve a diverse set of capital partners without fragmentation or bespoke delivery
• Partner deeply with engineering to define product architecture, tradeoffs, sequencing, and long-term evolution of capital platform systems
• Influence adjacent platform and vertical teams to ensure capital partner needs are consistently met across products
• Use data, customer insight, and domain knowledge to make high-conviction product decisions and prioritize effectively
• Deliver durable, enterprise-grade solutions that meet reliability, compliance, and operational requirements

• 7+ years of product management experience, or equivalent demonstrated scope and impact owning complex, multi-quarter initiatives
• Demonstrated experience leading initiatives at a Principal / Staff-level individual contributor scope
• Proven track record designing and shipping platforms or shared systems, not just standalone features
• Experience working with complex B2B or B2B2C workflows (e.g., onboarding, configuration, payments, compliance, reporting)
• Ability to operate effectively in regulated, high-reliability environments
• Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs
• Ability to drive alignment and execution across multiple teams and stakeholders without formal authority
• Bachelor’s degree or equivalent practical experience in a technical, analytical, or business-related field

• Experience building enterprise-grade platforms or infrastructure products, particularly in financial services, fintech, or regulated domains
• Experience with zero-to-one product development, including defining problem spaces, validating solutions, and scaling initial implementations
• Familiarity with capital markets, lending, or financial operations workflows
• Experience building or evolving data platforms, reporting systems, or analytics products
• Background working in high-growth or scaling technology companies
• Prior collaboration with machine learning, data science, or advanced analytics teams

At Upstart, our benefits 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 (opening Summer 2026!)

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 candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy