Principal Product Manager, White Label
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Job Location:
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
As Principal Product Manager White Label at Upstart you will lead the creation of a new white label business that we expect to be our primary growth engine into 2027 and beyond. This is a foundational role with outsized impact on Upstarts long-term growth.
Upstart White Label enables some of the largest consumer banks in the U.S. to offer Upstarts industry-leading borrower experience automated decisioning and capital markets partnerships under their own brand while preserving the direct relationship between bank and borrower.
We will begin by white-labeling Upstart HELOC. Today 90% of HELOC borrowers originate through banks. A white-labeled HELOC allows us to meet borrowers where they already are while delivering meaningful differentiation: closing in 7 days (vs. a 30-day industry average) and offering fixed-rate HELOCs (vs. the industry standard of variable rates) and half the cost of origination. This initial product lays the groundwork for extending white label across additional Upstart products over time.
How Youll Make an Impact
- Define and launch a new line of business: Lead end-to-end discovery to understand what it takes for Upstart to stand up a successful white label offering. Become the subject-matter expert for launching an initial V1 with a small set of core customers then partner with Solutions Engineering to scale requirements gathering.
- Deliver a successful V1 white-labeled HELOC: Own product strategy scope and sequencing to ensure the initial offering meets partner bank needs while being extensible across future Upstart products and lending verticals.
- Enable bank demand and distribution: Partner with bank stakeholders to support demand generation across digital and in-branch channels ensuring the product fits naturally into existing bank customer journeys.
- Power effective go-to-market: Equip Sales and Account Management with the product messaging and tooling they need to successfully sell launch and scale white-labeled offerings.
- Own the borrower experience end-to-end: Ensure a seamless borrower experience despite interaction across both bank-branded and Upstart-powered applications workflows and UX.
- Reduce borrower friction: Work closely with the Verifications team to deeply understand each step in the application flow challenge assumptions and strategically streamline or eliminate unnecessary friction.
- Define operational visibility for banks: Determine how partner banks should monitor application status performance and outcomes in a white-labeled environment.
Minimum Qualifications
- 8 years of product management experience on fast-moving customer-obsessed teams.
- Demonstrated ability to drive business outcomes through a strong balance of quantitative metrics and qualitative insight. You are pragmatic about data comfortable making decisions with imperfect information and have well-calibrated risk judgment.
- Strong product sense with experience authoring and executing multi-quarter roadmaps and living with the downstream consequences of those decisions.
- Rigorous analytical problem solver with clear concise and persuasive communication skills.
- Ownership and growth mindset. You act like an owner are confident yet humble open to being wrong and constantly seeking to improve both yourself and your team.
Preferred Qualifications
- Prior 01 product experience ideally as a product lead.
- Experience building B2B or enterprise software particularly in partnership-driven or platform-based businesses.
Position location This role is available in the following locations: Remote A specific city/location is not required if the role does not have an in-person requirement
Time zone requirements The team operates on the East/West coast time zones. Only use this section if there are specific time zone requirements that this role must work in; if the role is remote-US or can work in any timezone in the US please remove this section.
OPTIONAL In-Office requirements. You will be required to work from the insert location office x days per week/month.
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
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).
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
Staff IC
Key Skills
- Time Management
- Data Analytics
- Analytical
- Agile
- Requirement Gathering
- Strategic thinking
- Visio
- Communication
- Problem Solving
- Market Research
- UML
- Cross Functional Teams
About Company
Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit!
