Principal Product Manager, Growth Data

About Upstart

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we'd love to hear from you

The Team:

Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart's credit products. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart's product portfolio into a cohesive, multi-product marketplace.

As Principal Product Manager, Growth Data & Personalization, you will own the strategy and execution of our data platform, recommendation systems, and personalization engines. You'll ensure that Upstart delivers the right product, offer, and message to the right customer at the right time — across in-product experiences and marketing channels. You'll collaborate with data science, engineering, marketing, and product teams to transform customer data into differentiated, high-value experiences that improve engagement and growth outcomes.

How you'll make an impact

• Lead strategy for our growth data platform, ensuring data pipelines, models, and systems are built to deliver real-time, scalable personalization across channels.
• Own the roadmap for recommendation and personalization engines, from offer ranking to content targeting, optimizing for both customer value and business growth.
• Partner with data science to design, test, and operationalize machine learning models that improve acquisition, cross-sell, and retention.
• Collaborate with marketing, product, and design to activate personalization consistently across customer touchpoints — email, push, landing pages, app, and in-product modules.
• Define and track success metrics, balancing model performance, experimentation velocity, compliance, and customer trust.

Minimum Qualifications

• 6+ years of product management experience with customer data platforms, personalization systems, or machine learning-powered products.
• Strong track record of partnering with engineering and data science teams to build and scale data-driven platforms or recommendation systems.
• Ability to manage and influence stakeholders across marketing, product, and engineering, balancing technical complexity with business impact.

Preferred Qualifications

• Experience with real-time personalization, recommendation systems, or marketing automation in a regulated industry.
• Proven ability to measure and communicate the ROI of personalization and data investments.
• Strong customer-centric mindset with the ability to translate data and model capabilities into intuitive, valuable customer experiences.

Position location This role is available in the following locations: Remote

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 you'll love:

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• 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

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 location–with 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

$187,900—$260,000 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

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