Senior Product Manager, HELOC Decisioning

🕒 5 days ago

🌐 United States, Canada – Remote

🇺🇸 United States – Remote 🇨🇦 Canada – Remote

💵 $162.1k - $224.5k / year

⏰ Full Time

🟠 Senior

✅ Product Manager

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• Own the strategy and roadmap for streamlining the decisioning and verification experience • Translate risk, capital, compliance, and borrower-experience needs into priorities, requirements, and launch plans • Collaborate with Capital, Compliance, Risk, and ML on expanding underwriting guidelines • Lead delivery of expanded borrower segments • Define and evolve backend logic for underwriting and decisioning • Balance decisioning accuracy, borrower friction, data usage, and risk uncertainty • Increase automation and instant approvals in the HELOC underwriting process • Leverage new data sources and machine learning, including LLMs, to reduce manual work while improving speed and quality • Optimize conversion, operational efficiency, and portfolio quality for Upstart’s HELOC business

🎯 Requirements

• 5+ years of product management experience on fast-moving, customer-obsessed teams • Ability to drive business outcomes using quantitative metrics and qualitative insight • Pragmatic approach to data and comfort making decisions with imperfect information • Well-calibrated risk judgment • Strong product sense and experience authoring and executing multi-quarter roadmaps • Rigorous, analytical problem-solving ability • Clear, concise, and persuasive communication skills • Ownership and growth mindset • Strong communication and collaboration skills for cross-functional partnership • Preferred: experience designing complex backend systems that drive direct business results • Preferred: experience partnering closely with Machine Learning teams • Ability to work on East/West Coast time zones • Ability to work remotely in the United States or Canada; Upstart is not currently able to hire in Quebec

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada • Health Savings Account contributions from Upstart for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Family-centered fertility, parenthood, and caregiving benefits • Employee Assistance Program (EAP) offering mental health support and life-centered resources • Financial wellness resources, including financial planning tools and financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups (ERGs) • Onsite perks including catered lunches and fully stocked micro-kitchens • Flexible work from home or office arrangements • Regular team onsites