Senior Product Manager, Automation

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:

The Auto Lending team at Upstart is responsible for delivering the absolute best auto lending experience in the world without compromise. Upstarts mission is effortless credit based on true risk and the effortless is where you come in.

As the Senior Product Manager - Automation youll strip away friction from the hardest parts of auto lending: borrower verifications document signing Ops reviews and servicing. Youll make an industry-leading user experience even better and in the process youll drive down costs. Those cost savings are then used to provide even better offers for our borrowers.

Youll drive the strategic direction for this work using a combination of emerging technology process improvement and vendor management. Youll work closely with UX designers data analysts finance analysts legal and compliance experts and our Operations team.

Youre a sleuth for the truth. You have unending curiosity about why things are done a certain way and how we might improve them. You arent satisfied with weve always done it this way. You find it rewarding to squeeze inefficiency out of a system.

How youll make an impact

Deeply understand the needs of our borrowers Operations teams and capital partners
Define a strategy on how well improve the experience for borrowers (and in the process drive down cost for the business) in a traditionally labor-intensive process
Partner with engineering design product leaders across Upstart legal operations analytics and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards
Identify track and obsess over metrics that represent the efficiency of our processes

Minimum Qualifications

4 years of product management experience on fast-moving consumer-obsessed teams
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 or consumer lending
Experience with KYC/KYB or verifications especially with AI automation
Experience with cost optimization vendor negotiation and/or process design

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

$162000$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...