Principal Product Manager, Monetization

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 1,800 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 Marketplace Optimization team builds and scales systems that clear Upstart’s marketplace by balancing tradeoffs for borrowers, lenders, investors, and Upstart. We enable borrowers to access credit, and our capital partners to deploy capital efficiently and with confidence. 

As the Principal Product Manager, Monetization at Upstart, you will partner with Machine Learning to optimize those systems, and work with our engineering and business teams to simplify and automate the operations of the system. You will design experiments to test your best ideas, and be responsible for defining and hitting goals for every side of Upstart’s marketplace - you work directly on Upstart’s mission of offering the best rates for all Americans.

• You'll own the fee and pricing mechanisms that determine what Upstart charges across its loan products, directly shaping what customers pay and what Upstart earns on every loan.
• You'll use novel competitive and customer insight to find fee and pricing improvements, then translate them into sharper models and rules that make our rates competitive, fair, transparent, and trusted at scale.
• You'll set the fee strategy and roadmap in partnership with ML, Risk, Legal/Compliance, Finance, and Engineering across multiple product lines  deciding what to prioritize, why, and when, and keeping those teams aligned as priorities shift.
• Ultimately, customers pay fairer, more competitive fees and Upstart grows revenue and trust because of your work.

• 5-10 years experience in a marketplace product management role, with demonstrated success leading an engineering team to deliver critical initiatives in the domains of pricing, monetization, matching, routing, incentives.
• Ability to build relationships and effectively collaborate with all levels of the organization, from C-level to individual contributors
• Ability to manage and influence through persuasion, negotiation, and consensus building.

• Academic degree in Economics, Econometrics, Statistics, Operations Research
• Hands-on experience with pricing/revenue optimization: elasticity modeling, revenue management, brand impact feedback loop, etc
• Experience operating in a regulated pricing environment (lending, insurance, financial services) 
• Background in consumer lending, fintech, or capital markets products, with fluency in how fee changes flow into unit economics and investor/funding economics
• Strong experiment design and analysis skills, including experience drawing conclusions when live A/B testing is constrained (offline simulation, quasi-experimental methods, competitive benchmarking)
• Track record using data/AI tools to surface competitive or customer insight that changed a pricing or fee strategy, not just to automate reporting
• Strong experiment design+analysis experience (A/B testing, offline simulations, and metrics-driven decisions)

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