Senior Product Designer, Capital Marketplace

San Mateo, CA - USA

Monthly Salary: Not Disclosed

Posted on: 30+ days ago

Vacancies: 1 Vacancy

Job Summary

About Upstart

At Upstart were 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 thats both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1800 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.

Were 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 doesnt mean distant. Were 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) youll have the support to work in the way that works best for you.

If youre energized by tackling meaningful problems excited to innovate with purpose and motivated by work that truly matters wed love to hear from you.

The Team:

Upstarts Product Experience team brings together design research and content strategy to create cohesive data-informed and customer-centered experiences across the borrower and capital sides of our marketplace. We are a growing team building the product experience capability at Upstart raising the bar on craft strengthening cross-functional partnership and shaping how disciplined insight-driven design contributes to our business outcomes. The role sits within a cross-functional squad led by a Senior Manager overseeing B2B and B2C experiences across Servicing Capital Marketplace and Auto Retail.

As theSenior Product Designer Capital Marketplace you will shape the tools and workflows that help lenders and investors onboard integrate deploy capital and manage their portfolios. Youll lead research define strategy and design intuitive experiences across Capital Implementation Partner Experience and Capital Insights. Your work will translate complex financial operational and compliance requirements into clear trustworthy solutions that support strong partner relationships and scalable capital operations.

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.

How youll make an impact

Create user journeys workflows prototypes and polished mockups that define how lenders and investors onboard integrate configure portfolios and manage ongoing capital programs.
Lead research discovery and usability studies with internal teams and capital partners to understand expectations pain points and operational workflows across implementation program setup monitoring and lifecycle management.
Translate complex financial compliance and operational requirements into intuitive experiences that support origination and loan sale execution third-party integrations and partner-facing tools.
Partner with product and engineering teams to design lender and investor interfaces that improve partner success reduce operational burden and strengthen transparency and trust in the platform.
Shape internal tools that streamline deal setup program configuration performance reporting and platform scalability for Capital Insights.
Use qualitative and quantitative data to validate design decisions improve accuracy and comprehension in data-heavy workflows and increase partner confidence in Upstarts reporting and intelligence tools.
Contribute to a unified design system that supports secure consistent patterns across capital partner and internal experiences.
Produce clear design artifacts that drive alignment across product engineering operations risk and compliance stakeholders.

Minimum Qualifications

7 or more years designing customer-facing or enterprise digital products with experience simplifying complex workflows and data-dense systems.
Demonstrated expertise designing for responsive web and ideally native mobile or tablet workflows used in operational environments.
Strong portfolio showing end-to-end design thinking grounded in user insight clarity and system-level reasoning.
Skilled with Figma and research tools such as Usertesting Maze or Lookback.
Experience collaborating with cross-functional partners in technical risk or compliance-driven domains.
Strong communicator who can articulate tradeoffs share work with clarity and build alignment across engineering operations and business teams.

Preferred Qualifications

Experience designing enterprise or B2B platforms especially in fintech capital markets lending or other regulated industries.
Familiarity with financial reporting workflow automation or partner lifecycle management tools.
Ability to navigate ambiguity balance business goals and risk considerations and design for accuracy transparency and trust in high-stakes environments.
Depth in accessibility and inclusive design especially for complex or detail-critical workflows.

#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).

United States Remote - Anticipated Base Salary Range

$162100$224500 USD

What youll love

At Upstart our benefits are designed to support your health financial well-being family and personal growth. Heres what you can expect:

Competitive compensation including base pay bonus opportunities and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical dental and vision coverage with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits including company-paid Basic Life AD&D and Short- and Long-Term Disability coverage with options to purchase supplemental coverage
Paid time off sick and safe time and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo supporting fertility parenthood and caregiving
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources including access to financial planning tools and a financial concierge service
Annual wellness allowance to support your physical and emotional well-being and personal development based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work no matter where you work from
Connection and community through team events and onsites all-company updates and employee resource groups (ERGs)
Onsite perks including catered lunches and fully stocked micro-kitchens when working from one of our four offices located in the Bay Area Austin Columbus and New York City (opening Summer 2026!).

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

Experience:

Senior IC

About UpstartAt Upstart were 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.A...