Principal Product Manager, Communications Platform

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: Help Upstart become the world’s most radically pro-consumer company in finance! As we continue building toward long-term customer trust, deeper engagement, and lifetime value, platform investments are becoming increasingly important across the customer journey. Rather than owning individual customer experiences, platform product teams develop the core capabilities that allow feature teams to innovate faster while improving reliability, scalability, and regulatory readiness. As the Principal Product Manager, Communications Platform , you will drive a greenfield initiative to establish the shared communications foundation for the company. Working closely with Engineering, Compliance, Risk, and product leaders across the business, you'll define the long-term vision for how communications are delivered, orchestrated, governed, and measured across every customer touchpoint. Your work will enable product teams to deliver more personalized, trusted experiences while providing the platform capabilities, compliance guardrails, and shared infrastructure needed to support both today's products and the next generation of AI-powered customer interactions. How you’ll make an impact

Define and execute the product strategy and roadmap for Upstart's Communications Platform, balancing immediate business needs with a long-term platform vision. Partner with engineering to build shared platform capabilities, including messaging APIs, delivery infrastructure, governance controls, and communication data models that support multiple products and channels. Establish scalable platform abstractions that enable product teams to deliver customer communications more efficiently while reducing duplicated engineering effort. Drive alignment across Engineering, Growth, Servicing, Capital, Banking, Compliance, Risk, and other cross-functional partners to prioritize platform investments and influence company-wide technical strategy. Develop platform capabilities that improve regulatory compliance, auditability, and operational visibility through standardized controls and