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 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 lending 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.
A key focus area for this role is the development and platformization of white-label and embedded capital solutions for enterprise partners. These solutions enable banks, credit unions, and investors to originate, fund, and manage loans using Upstart’s capital infrastructure while maintaining configurability, compliance, and operational rigor. Depending on business needs and background, this role may also be scoped to other core capital platform problem spaces.
Depending on business needs and your background, you will own one or more of the following Capital Platform problem spaces:
- White Label & Embedded Capital Products: Define and launch enterprise-grade, configurable white-label capital solutions that allow partners to originate, fund, and manage loans using Upstart’s capital infrastructure. This includes zero-to-one product development, platformization of capabilities, and designing primitives that can scale across partners without bespoke implementations.
- Capital Partner Integrations & Execution: Own the core workflows that onboard lenders and investors, execute originations and loan sales, and integrate with external systems and third-party providers. Focus on scalability, reliability, and operational rigor across high-volume, business-critical flows.
- Capital Insights & Reporting Infrastructure: Lead the evolution of reporting systems, data pipelines, and customer-facing analytics that provide transparency, oversight, and trust for capital partners. Balance correctness, auditability, and usability in regulated, high-reliability environments.
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 platform and vertical teams to ensure capital partner needs are consistently met across products
- Use data, customer insight, and domain knowledge to make high-conviction product decisions and prioritize effectively
- Deliver durable, enterprise-grade solutions that meet reliability, compliance, and operational requirements
Minimum Qualifications
- 7+ years of product management experience, or equivalent demonstrated scope and impact owning complex, multi-quarter initiatives
- Demonstrated experience leading initiatives at a Principal / Staff-level individual contributor scope
- Proven track record designing and shipping platforms or shared systems, not just standalone features
- Experience working with complex B2B or B2B2C workflows (e.g., onboarding, configuration, payments, compliance, reporting)
- Ability to operate effectively in regulated, high-reliability environments
- Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs
- Ability to drive alignment and execution across multiple teams and stakeholders without formal authority
- Bachelor’s degree or equivalent practical experience in a technical, analytical, or business-related field
Preferred Qualifications
- Experience building enterprise-grade platforms or infrastructure products, particularly in financial services, fintech, or regulated domains
- Experience with zero-to-one product development, including defining problem spaces, validating solutions, and scaling initial implementations
- Familiarity with capital markets, lending, or financial operations workflows
- Experience building or evolving data platforms, reporting systems, or analytics products
- Background working in high-growth or scaling technology companies
- Prior collaboration with machine learning, data science, or advanced analytics teams
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-MidSenior
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
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