Director of Product, Capital Platform
Director of Product, Capital Platform
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Job Description
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts AI marketplace Upstartpowered banks and credit unions can have higher approval rates and lower loss rates across races ages and genders while simultaneously delivering the exceptional digitalfirst lending experience their customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload.
Upstart is a digitalfirst company which means that most Upstarters live and work anywhere in the United States. However we also have offices in San Mateo California; Columbus Ohio; and Austin Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart wed love to hear from you!
As the Director of Product Capital Platform you will build and lead the product team responsible for growing capital across our loan products. Upstart is a marketplace business our supplyside teams bring loanfunding capital to the platform and deliver value to capital providers. In this role you will own the endtoend product vision strategy and execution to create value for the diverse set of banks credit unions and capital market investors on our platform.
The role starts as a senior individual contributor and is expected to expand into leadership of a product team.
Capital providers on our platform expect robust oversight and analytics; nuanced control over the loans they fund and on their portfolio overall; and automation in managing every aspect of their lending program. You will own the definition prioritization and delivery of the functionality needed to enable those customers as we scale our platform from our current $38B in originations to the next level.
Our products range from endtoend AIenabled origination platforms to advanced internal modeling systems to APIs that allow lenders and capital providers to integrate our technology into their existing systems and workflows. You will work widely across our loan vertical teams to be the voice of capital providers as we develop those products beyond personal loans (Auto loans HELOCs etc).
Success in this role relies on working with a wide variety of stakeholders developing a detailed understanding of the consumer lending landscape and effectively balancing platform vs. team specific roadmaps. We view this role as a player coach role and the right individual for the role will have expertise in and enjoy both working on key initiatives directly and building out a team of worldclass PMs.
How youll make an impact:
- Youll define the vision and strategy for both our lending partners (banks and credit unions) and capital markets partners (PE funds hedge funds etc). What should we focus on why and when
- Build out and lead a team of product managers ensuring continuous team growth and individual development
- Youll understand the needs of lending partners and capital markets and define and build new solutions to meet these needs
- Work closely with our sales marketing compliance machine learning and customer success teams to identify and prioritize new and valuable tools and process improvements as we scale
- Execute on product roadmaps and launch features in partnership with engineering teams
- You will work closely with our individual product vertical teams (such as personal loans auto refinance small dollar loans etc) to help shape those products to best align with capital partner needs and be the voice of capital supply across our organization
What were looking for:
- Minimum requirements:
- 8 years of product management experience
- Track record of building and leading outstanding PM teams
- Experience working on individual initiatives at a principal PM level
- Experience with complex B2B or B2B2C workflows (onboarding configuration payments compliance)
- Experience building business critical tools in a marketplace setting (ERPlite inventory mgmt tools embedded finance)
- Ability to interface effectively with leaders at banks credit unions and capital market providers to conduct discovery and understand customer needs directly
- Demonstrated ability to achieve strategic goals in an innovative and fastpaced environment and to evolve product strategy based on research data and industry trends; excellent problemsolving organizational and analytical skills
- Excellent track record working with technical and nontechnical teams to deliver business outcomes
- Highlyautonomous leader with a track record of setting vision and focusing organizations in targetrich environments
- BA/BS in Finance Economics Computer Science Electrical Engineering Mathematics Statistics a related technical field or equivalent practical experience
- Preferred qualifications:
- Experience building online financial products working with consumer banking or capital markets and/or knowledge of the consumer finance industry is a plus
- Experience at a growthstage company or tech company
- Past collaboration with AI machine learning or data science teams
Position Location This role is available in the following locations: Remote San Mateo Columbus Austin
Time Zone Requirements This 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 inperson collaborating via regular onsites. The inperson sessions cadence varies depending on the team and role; the leadership team for Capital meets quarterly for 34 consecutive days at a time.If you need to travel to make these meetups Upstart will cover all travel related expenses.
What youll love:
- Competitive Compensation (base bonus & equity)
- Comprehensive medical dental and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4500 and immediate vesting and aftertax savings
- 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 allcompany 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
#LIREMOTE
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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 locationwith our digital first philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by jobrelated 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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures backgrounds perspectives and experiences and know that we can only become better together.
If you require reasonable accommodation in completing an application interviewing completing any preemployment testing or otherwise participating in the employee selection process please email
Director
Employment Type
Full Time
Key Skills
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