Principal Product Manager, Engagement

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 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.

The Team: 

Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart’s credit products, both for the first time and on an ongoing basis. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace.

As a Principal Product Manager focused on User Engagement, you’ll lead a core pillar of our Growth strategy – driving user activity, retention, and repeat usage through compelling, value-driven product experiences. You will shape how customers interact with Upstart beyond the initial transaction, building our in-product experience, and touchpoints that deepen trust, promote financial wellness, and ultimately unlock new monetization pathways.

In this highly cross-functional role, you'll operate at the intersection of product, design, engineering, data science, and marketing to reimagine how users stay engaged with our platform. You’ll balance bold bets with iterative testing, and combine behavioral insights with product mechanics to build delightful, habit-forming experiences that serve both user needs and business outcomes.

How you’ll make an impact

• Define and deliver the vision for engagement across Upstart’s ecosystem, building experiences across web and mobile that keep users returning and pave the path to upsell and cross-sell.
• Champion the user journey, crafting intuitive and rewarding experiences that build trust and increase lifetime value. You’ll partner with consumer research, product marketing, and data to ground your work in real-world behaviors and motivations.
• Drive experimentation at scale, using rapid iteration and clear metrics to test what works. You’ll bring clarity to ambiguity by identifying levers for activation, retention, and repeat engagement, and aligning stakeholders around the most promising paths forward.
• Lead with influence, collaborating across product lines and teams to stitch together a cohesive experience across our suite of offerings, ensuring engagement efforts ladder up to shared company goals.
• Balance vision and execution, making strategic trade-offs across short-term optimization and long-term differentiation. You'll help shape a roadmap that prioritizes measurable impact while investing in foundational capabilities for sustained growth.

Minimum Qualifications 

• 10+ years of product management experience, with a strong track record driving consumer engagement, growth, or retention for digital products.
• Deep fluency in product discovery and hypothesis-driven development, including A/B testing, experimentation frameworks, and success metric definition.
• Exceptional collaboration skills, with a proven ability to align diverse stakeholders - from executive leaders to cross-functional partners - around a shared strategy.
• A user-first mindset, with the ability to distill complex customer insights into elegant, high-utility product experiences.
• Strong judgment and prioritization skills, able to identify high-leverage op