Principal Product Manager, Capital 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 3,000 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 Capital Platform team builds the systems that enable capital to flow through Upstart’s marketplace reliably, transparently, and at scale. The team owns the core platform capabilities used by banks, credit unions, and institutional investors to onboard, configure programs, execute originations and loan sales, and monitor portfolio performance. Operating at the intersection of product, engineering, capital markets, finance, and compliance, the Capital Platform team focuses on building enterprise-grade, configurable, and reusable infrastructure that supports a growing and increasingly diverse set of capital partners across products.

This team is responsible for foundational platform capabilities including partner integrations, capital execution workflows, and capital insights and reporting — with an increasing emphasis on white-label and embedded capital solutions that allow partners to leverage Upstart’s technology within their own ecosystems.

As a Principal Product Manager, Capital Platform, you will be a senior, hands-on individual contributor owning strategy and execution for one of Upstart’s most complex and high-impact capital platform problem spaces.

This role is well suited for a Staff+ IC who thrives in ambiguity, enjoys building enterprise-grade platforms from first principles, and wants to shape how lenders and investors integrate with Upstart at scale. You will lead multi-quarter initiatives that cut across product, engineering, finance, and compliance, and deliver durable, extensible systems that serve both current and future capital partners.

How you’ll make an impact

• Own the strategy, roadmap, and execution for a major Capital Platform problem space with material business impact

• Lead multi-quarter, cross-team initiatives that require deep systems thinking and operate under significant ambiguity

• Design scalable, configurable platform capabilities that serve a diverse set of capital partners without fragmentation or bespoke delivery

• Partner deeply with engineering to define product architecture, tradeoffs, sequencing, and long-term evolution of capital platform systems

• Influence adjacent