Senior Product Manager, Auto

San Francisco, 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 Servicing team is responsible for the entire customer journey after a loan is funded. We ensure that borrowers stay on track with payments help them when they struggle to pay and drive collections and recoveries when they are unable to pay. We do this through a combination of borrower-facing tools customer support agents and AI-agents powered by Upstarts ML-driven decision making. We deliver better financial outcomes for borrowers and business outcomes for Upstart.

As the Senior Product Manager for Servicing at Upstart you will design more intelligent and efficient tools and systems for recovering funds in cases when borrowers are unable to repay their loans (charge-offs) across all Upstart loan products. You will also define the strategy for how we service one of Upstarts most promising new products - auto loans. Youll partner with Operations to establish the technology and processes for collections and recoveries when borrowers become delinquent balancing customer empathy with Upstarts business goals.

How youll make an impact

Define the strategy for Auto loan collections and recoveries in partnership with Operations leadership
Deeply understand the delinquent borrowers in collaboration with design to deliver products that solve real human problems.
Establish and track success metrics to assess the impact of product and operations initiatives ensuring continuous improvement and concrete business impact.
Leverage data-driven insights to make informed product decisions identifying opportunities for optimization and testing hypotheses to improve key metrics.
Make smart trade-offs to inform the ongoing product roadmap prioritizing the features with the highest ROI and experimenting when necessary.
Develop vendor partnerships that align with the overall business strategy

Minimum Qualifications

6 years experience in a product management role building both consumer-facing products and internal operational tools
Demonstrated success in driving business outcomes through a balance of quantitative metrics and qualitative understanding. Youre clever and enterprising when it comes to having the minimum data necessary to make an informed decision. Your risk tolerance is well honed.
Strong product sense. You have independently authored and executed on a multi-quarter roadmap and have been around to see the consequences (good and bad) of your decisions.
Rigorous and analytical problem solving; well structured concise and highly effective communication.
Ownership and growth mindset. You act like an owner. Youre often right but humble and open minded about being wrong. Youre perpetually dissatisfied and striving to improve yourself and the team

Preferred Qualifications

Experience building products in fintech credit servicing or customer support environments
Familiarity with voice chat or AI-driven multi-modal UX
Aptitude for and interest in credit and personal finance economic concepts
Experience building products with third-party vendor integrations
Demonstrated and expressed mission orientation and outsized results that match your passion

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.

#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...