Senior Product Manager, Payments

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 Payments team, within the Servicing organization, maintains and improves the systems and experiences that help borrowers make payments in order to stay current on their loans and recover from delinquency. The team also builds scalable payments capabilities that enable teams across Upstart to create better experiences on top of shared platform primitives.

As the Senior Product Manager, Payments, you will own product strategy and execution across this space. You’ll work at the intersection of borrower outcomes and platform capabilities, helping define the evolving direction and boundaries of the Payments platform.

How you’ll make an impact

• Identify the highest-impact causes of payment failures and lead solutions that improve payment success and borrower outcomes.

• Improve how we understand an individual borrower’s ability to repay, including through thoughtful use of third-party data sources.

• Shape a scalable Payments platform that makes it easier for teams across Upstart to build Payments capabilities.

• Balance near-term business impact with longer-term investment in reusable platform primitives, making thoughtful choices about where to iterate, address technical debt, or build from scratch.

• Partner closely with Engineering, Data Analytics, Machine Learning, Design, Compliance, and product leaders across Servicing to align priorities and deliver results.

• Define priorities, success metrics, and a roadmap that connects platform leverage to borrower and business outcomes while identifying opportunities beyond incoming stakeholder requirements.

• 5+ years of product management experience owning strategy, roadmap, metrics, and delivery for a technical, transactional, or customer-facing product.

• Experience working with payments, money movement, loan servicing, billing, or a related financial product.

• Experience using quantitative analysis to diagnose product problems, evaluate tradeoffs, and guide product decisions.

• Experience partnering with Engineering and cross-functional teams to deliver products, systems, or platform