Principal Product Manager, White Label at Upstart

, , United States -

Full Time

Start Date

Immediate

Expiry Date

22 Apr, 26

Salary

260000.0

Posted On

22 Jan, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Product Management, Business Outcomes, Quantitative Metrics, Qualitative Insight, Data Analysis, Problem Solving, Communication Skills, Ownership Mindset, Growth Mindset, B2B Software, Enterprise Software, Partnerships, Platform-Based Businesses, Customer Experience, Demand Generation, Go-To-Market Strategy

Industry

Financial Services

Description

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; Austin, Texas; and New York City, NY (opening Summer 2026). 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 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 Upstart’s long-term growth. Upstart White Label enables some of the largest consumer banks in the U.S. to offer Upstart’s 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 You’ll 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 0→1 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. What you'll 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 $15,000 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 #LI-REMOTE #LI-NotApplicable #LI-Internship --> use for internships #LI-Entry --> use for new graduate roles, L1, L2 #LI-Associate --> use for L3, L4 #LI-MidSenior --> use for L5, L6 #LI-Director --> use for L7 #LI-Executive --> use for L8+ 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. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Responsibilities

Lead the creation of a new white label business and deliver a successful V1 white-labeled HELOC. Partner with bank stakeholders to support demand generation and ensure a seamless borrower experience.