Principal Product Designer, HELOC
Principal Product Designer, HELOC
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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 Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races ages and genders while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload.
Upstart is a digital-first 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!
The Team
Upstarts Home Lending team is tackling one of the most complex high-stakes financial decisions people make: borrowing against their home. Were building products that bring speed simplicity and inclusivity to an industry notorious for its friction and opacity. Our first offeringa radically faster more accessible Home Equity Line of Credit (HELOC)is already gaining strong traction. Now were expanding the team to scale our HELOC experience and lay the foundation for future mortgage products.
As a Principal Product Designer on Home Lending youll shape the end-to-end experience for Upstarts HELOC product rethinking the application journey from the ground up. Youll own the design strategy across acquisition onboarding qualification pricing and offer presentationcreating an experience that is intuitive elegant and grounded in trust. Youll partner closely with Product Engineering Machine Learning and Legal/Compliance to ensure that the experience meets both user needs and regulatory standards. And youll mentor other designers as we grow the team and the product.
Position Location - This role is available in the following locations: Remote
Time Zone Requirements - This team operates across all U.S. 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.
How youll make an impact:
- Lead design strategy and execution for the full HELOC application funnel
- Craft elegant empowering experiences that simplify complex financial decisions
- Collaborate across PM Engineering ML and Compliance to shape roadmap and execution
- Design across web mobile and email to ensure consistency and platform optimization
- Conduct research and usability testing to uncover insights and validate decisions
- Define scalable design patterns and systems to support future product expansion
- Balance clarity empathy and compliance in a high-trust product environment
- Mentor other designers and shape the evolution of Upstarts design culture and practices
What were looking for:
- Minimum requirements:
- 10 years of experience designing consumer-facing digital products ideally in fintech or high-stakes decision environments
- Strong portfolio showcasing intuitive UX high design quality and measurable business impact
- Experience leading design for complex multi-step flows (e.g. eligibility pricing personalization)
- Mastery of interaction design visual design and systems thinking
- Strong collaborator with product engineering legal and data partners
- Skilled in design rationale facilitation and navigating ambiguity
- Fluency with modern design and research tools (Figma UserTesting etc.)
- Proven ability to guide and mentor design talent across teams
- Preferred qualifications:
- Experience designing financial products involving qualification lending or regulatory compliance
- Familiarity with experimentation funnel optimization and growth-oriented design
- Background in behavioral science service design or decision architecture
- Experience working within and contributing to design systems
- Commitment to accessibility and inclusive design standards
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 after-tax 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 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 locationwith 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. 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 pre-employment testing or otherwise participating in the employee selection process please email
Staff IC
Employment Type
Full Time
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