Principal Product Manager, Pricing Platform

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 Pricing Platform team builds the reusable, scalable, and reliable platform that powers pricing across all Upstart loan products, including unsecured, auto, and home loans. This team owns the core primitives that translate application data into the offers (APR) presented to customers, including eligibility, qualification, underwriting, and offer selection. As a Principal Product Manager at Upstart, you will define and drive the strategy for one of the most critical systems at Upstart—the platform that powers how we price loans and deliver offers to customers. This role sits at the intersection of infrastructure and product, requiring deep platform thinking and strong technical fluency. You will lead efforts to evolve a complex, high-impact system into a scalable, modular platform that accelerates innovation across all loan products. You will balance near-term reliability and quality improvements with long-term investments that unlock velocity and flexibility for engineering teams across the company. How you’ll make an impact Define and execute the long-term vision for Upstart’s pricing platform, enabling scalable and reusable capabilities across multiple loan products Improve the reliability, quality, and availability of pricing systems, reducing risk and preventing high-impact failures in a business-critical system Drive platform evolution from a complex, monolithic architecture toward modular, service-oriented systems that increase engineering velocity Partner with engineering, machine learning, and product teams across unsecured, auto, and home lending to enable new pricing capabilities and use cases Balance competing priorities across stakeholders, making principled tradeoffs between short-term business needs and long-term platform investments Identify and unlock opportunities to accelerate product development by improving platform primitives and reducing dependency bottlenecks Minimum Qualifications BA/BS in Economics, Computer Science, Electrical Engineering, Mathematics, Statistics, a related technical field, or equivalent practical experience. 5-7 years of product management experience. Experience building or managing backend platforms or infrastructure systems Experience working with engineering teams on large-scale, complex systems Experience defining product requirements and driving execution for technical products Preferred Qualifications Experienc