Product Designer

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 Product Experience team brings together product design, research, and content strategy to shape the future of lending. We focus on high-craft execution, deep customer insight, and measurable business impact, partnering across product areas to build experiences that are clear, trustworthy, and human. Our Unsecured Lending team focuses on building borrower-facing experiences across personal loans and revolving credit products. This team owns core moments in the borrower journey, including rate selection, origination, and repayment, with a focus on clarity and trust.

As a Product Designer at Upstart, you will support feature-level design work across these experiences, partnering closely with product managers and engineers. You’ll work within established design direction to deliver high-quality, production-ready designs that directly impact millions of borrower interactions.

• Design end-to-end user experiences across borrower-facing flows
• Translate product requirements into wireframes, interactive prototypes,, and high-fidelity visual designs
• Collaborate with product managers and engineers to align on scope, constraints, and implementation details
• Deliver production-ready designs and ensure design intent is preserved through development handoff
• Incorporate user feedback, data insights, and stakeholder input to iterate on designs
• Partner with adjacent teams (e.g., Growth) to ensure seamless experiences across the borrower journey

• Bachelor’s degree in Design, Human-Computer Interaction, or a related field (or equivalent practical experience) + 3 years of product design experience
• 3+ years of experience designing end-to-end digital product experiences from concept through delivery
• Proficiency with Figma for wireframing, prototyping, and visual design
• Experience delivering production-ready designs and collaborating with engineering teams through implementation
• Experience designing user flows for web or mobile applications, including multi-step workflows

• Experience designing complex, multi-step user flows such as applications, forms, or comparison tools
• Knowledge of fintech, lending, or other regulated consumer product environments
• Familiarity with working within or contributing to a design system
• Experience working in a cross-functional product development model with product management and engineering
• Ability to incorporate user feedback and data insights into iterative design improvements

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