Principal Product Manager, Capital Platform

The Team:

Upstarts Capital Platform team builds the systems that enable capital to flow through Upstarts marketplace reliably transparently and at scale. The team owns the core platform capabilities used by banks credit unions and institutional investors to onboard configure lending programs execute originations and loan sales and monitor portfolio performance.

Operating at the intersection of product engineering capital markets finance and compliance the Capital Platform team focuses on building enterprise-grade configurable and reusable infrastructure that supports a growing and increasingly diverse set of capital partners across products.

This team is responsible for foundational platform capabilities including partner integrations capital execution workflows and capital insights and reporting with an increasing emphasis on white-label and embedded capital solutions that allow partners to leverage Upstarts technology within their own ecosystems.

As a Principal Product Manager Capital Platform you will be a senior hands-on individual contributor owning strategy and execution for one of Upstarts most complex and high-impact capital platform problem spaces.

This role is well suited for a Staff IC who thrives in ambiguity enjoys building enterprise-grade platforms from first principles and wants to shape how lenders and investors integrate with Upstart at scale. You will lead multi-quarter initiatives that cut across product engineering finance and compliance and deliver durable extensible systems that serve both current and future capital partners.

A key focus area for this role is the development and platformization of white-label and embedded capital solutions for enterprise partners. These solutions enable banks credit unions and investors to originate fund and manage loans using Upstarts capital infrastructure while maintaining configurability compliance and operational rigor. Depending on business needs and background this role may also be scoped to other core capital platform problem spaces.

Depending on business needs and your background you will own one or more of the following Capital Platform problem spaces:

• White Label & Embedded Capital Products: Define and launch enterprise-grade configurable white-label capital solutions that allow partners to originate fund and manage loans using Upstarts capital infrastructure. This includes zero-to-one product development platformization of capabilities and designing primitives that can scale across partners without bespoke implementations.
• Capital Partner Integrations & Execution: Own the core workflows that onboard lenders and investors execute originations and loan sales and integrate with external systems and third-party providers. Focus on scalability reliability and operational rigor across high-volume business-critical flows.
• Capital Insights & Reporting Infrastructure: Lead the evolution of reporting systems data pipelines and customer-facing analytics that provide transparency oversight and trust for capital partners. Balance correctness auditability and usability in regulated high-reliability environments.

How youll make an impact

• Own the strategy roadmap and execution for a major Capital Platform problem space with material business impact
• Lead multi-quarter cross-team initiatives that require deep systems thinking and operate under significant ambiguity
• Design scalable configurable platform capabilities that serve a diverse set of capital partners without fragmentation or bespoke delivery
• Partner deeply with engineering to define product architecture tradeoffs sequencing and long-term evolution of capital platform systems
• Influence adjacent platform and vertical teams to ensure capital partner needs are consistently met across products
• Use data customer insight and domain knowledge to make high-conviction product decisions and prioritize effectively
• Deliver durable enterprise-grade solutions that meet reliability compliance and operational requirements

Minimum Qualifications

• 7 years of product management experience or equivalent demonstrated scope and impact owning complex multi-quarter initiatives
• Demonstrated experience leading initiatives at a Principal / Staff-level individual contributor scope
• Proven track record designing and shipping platforms or shared systems not just standalone features
• Experience working with complex B2B or B2B2C workflows (e.g. onboarding configuration payments compliance reporting)
• Ability to operate effectively in regulated high-reliability environments
• Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs
• Ability to drive alignment and execution across multiple teams and stakeholders without formal authority
• Bachelors degree or equivalent practical experience in a technical analytical or business-related field

Preferred Qualifications

• Experience building enterprise-grade platforms or infrastructure products particularly in financial services fintech or regulated domains
• Experience with zero-to-one product development including defining problem spaces validating solutions and scaling initial implementations
• Familiarity with capital markets lending or financial operations workflows
• Experience building or evolving data platforms reporting systems or analytics products
• Background working in high-growth or scaling technology companies
• Prior collaboration with machine learning data science or advanced analytics teams

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.

What youll love:

• Competitive Compensation (base bonus & equity)
• Comprehensive medical dental and vision coverage with Health Savings Account contributions from Upstart
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
• 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

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