Senior Lifecycle Manager, Emerging Markets (contract)

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 Growth Marketing team drives scalable, data-informed customer acquisition and engagement across our lending products. The team focuses on connecting consumers to credit through thoughtful, well-timed interactions across channels. As the Senior Lifecycle Marketing Manager (Emerging Products) at Upstart, you will own and scale lifecycle marketing for new and growing products, including Cash Line, Upstart’s new, always-on line of credit product. You will design and optimize end-to-end customer journeys—from cross-sell and activation through retention, re-engagement, and winback—within a mobile-first experience. You may also be called on to support additional emerging products as they launch and scale. How you’ll make an impact Own lifecycle strategy and execution across the full customer journey, including cross-sell, activation, retention, re-engagement, and churn winback Drive growth for Cash Line through mobile-first lifecycle programs, leveraging push notifications, in-app messaging, email, and SMS Design and optimize multi-channel journeys that improve key metrics such as conversion, engagement, retention, and revenue Define detailed campaign requirements, including audience segmentation, trigger logic, and channel orchestration, in partnership with Product and Engineering Build and execute a hypothesis-driven experimentation roadmap across lifecycle stages, and translate results into actionable insights Analyze performance across campaigns and lifecycle stages, and communicate results through regular reporting (weekly, monthly, quarterly) with clear insights and next-step recommendations Partner cross-functionally with Product, Analytics, Engineering, and Creative to improve the end-to-end customer experience Develop and maintain reporting frameworks and dashboards to measure lifecycle performance and inform prioritization Support lifecycle strategy and execution for additional emerging products as they are introduced Minimum Qualifications Bachelor’s degree in Marketing, Business, Analytics, or a related field (or equivalent practical experience) 6-8+ years of experience in lifecycle marketing, CRM, or retention marketing roles Hands-on experience building and executing lifecycle campaigns using a marketing automation platform (e.g., Iterable, Braze, Salesforce Marketing Cloud) Experience designing and analyzing A/B or multivariate tests, including defini