Senior Product Designer, Payments

About Upstart At Upstart, we’re 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 that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 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. We’re 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 doesn’t mean distant. We’re 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), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s AI Experience Platform (AIXP) team is building the next generation of AI-native product experiences that transform how borrowers interact with their finances. Within this pillar, the team partners closely with Payments and Borrower Experience to design intuitive, trustworthy interactions across both traditional interfaces and emerging conversational surfaces. As a Senior Product Designer on this team, you will lead the design of AI-powered payment experiences that directly impact borrower financial health. You will bridge platform capabilities and real user needs, shaping how borrowers make, manage, and recover payments through both UI and conversational interfaces. How you’ll make an impact Design end-to-end payment experiences across web interfaces and conversational AI agents, ensuring consistency and clarity across interaction modes Translate complex payment workflows (e.g., ACH, debit, failed payments) into intuitive user experiences that handle edge cases and error states effectively Define and evolve interaction patterns for conversational interfaces, including dialogue flows, fallback behaviors, and multi-step task completion Partner closely with product managers and engineers to shape product direction, scope solutions, and deliver high-impact user outcomes Use data and experimentation (e.g., A/B testing, user behavior insights) to iterate on designs and improve key metrics such as payment success and engagement Contribute to and extend design systems by establishing reusable patterns for AI-native and conversational experiences Minimum Qualifications Bachelor’s degree in Design, Human-Computer Interaction, Computer Science, or a related field (or equivalent practical experience) 5+ years of product design experience delivering end-to-end user experiences for digital products Experience designing conversational, chat-based, or AI-assisted user interfaces Experience designing complex workflows with branching logic, edge cases, and error handling Proficiency with Figma and prototyping tools for interactive or conversational flows Preferred Qualifications Experience designing LLM-powered interfaces such as chatbots, AI agents, or copilots Experience designing transactional or financial workflows such as payments, checkout, or lending Familiarity with fintech or regulated consumer products Ability to define new interaction patterns in emerging product sp