Principal Product Manager, Pricing 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 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 Pricing Platform team builds the reusable, scalable, and reliable platform that powers pricing across all Upstart loan products, including unsecured, auto, and home loans. This team owns the core primitives that translate application data into the offers (APR) presented to customers, including eligibility, qualification, underwriting, and offer selection. 

• Define and execute the long-term vision for Upstart’s pricing platform, enabling scalable and reusable capabilities across multiple loan products
• Improve the reliability, quality, and availability of pricing systems, reducing risk and preventing high-impact failures in a business-critical system
• Drive platform evolution from a complex, monolithic architecture toward modular, service-oriented systems that increase engineering velocity
• Partner with engineering, machine learning, and product teams across unsecured, auto, and home lending to enable new pricing capabilities and use cases
• Balance competing priorities across stakeholders, making principled tradeoffs between short-term business needs and long-term platform investments
• Identify and unlock opportunities to accelerate product development by improving platform primitives and reducing dependency bottlenecks

• 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. 
• Experience building or managing backend platforms or infrastructure systems
• Experience working with engineering teams on large-scale, complex systems
• Experience defining product requirements and driving execution for technical products

• Experience working on pricing systems, ads platforms, or similar optimization systems
• Experience evolving monolithic systems into modular or service-oriented architectures
• Experience working in machine learning, data science, or analytics-driven environments
• Experience operating in highly cross-functional environments with multiple stakeholders

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
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
• Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
• Health Savings Account contributions from Upstart for eligible plans
• Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
• Paid time off, sick and safe time, and company holidays 
• Paid family and parental leave to support caregiving and major life moments
• Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
• 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
• 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 and onsites, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

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