Senior Product Manager, ASPL

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: The Auto Secured Personal Loans (ASPL) team is responsible for scaling the fastest-growing product at Upstart. Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product. We work iteratively to provide fast feedback loops so that we can apply new learnings quickly. As the Senior Product Manager , you will drive the strategic direction and day-to-day execution of a cross-functional team of software engineers, UX designers, and marketing experts to drive growth of the ASPL product. You’ll also work closely with research scientists, data analysts, legal and compliance experts, and our Operations team to understand and improve the mechanics of the product. You have unending curiosity, always seeking to learn the “what” and “why” of how things work. You find it rewarding to build something and watch it grow. How you’ll make an impact Deeply understand the potential ASPL borrower and their motivation for choosing a secured loan Define the strategy on how and where we can offer ASPL to applicants in our core Personal Loans funnel Analyze the limiters that prevent us from offering ASPL to more borrowers and define a plan to remove those limiters Partner with engineering manager, product designer, product leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards Partner with our Capital Markets organization to execute a plan to onboard capital for ASPL Minimum Qualifications 4+ years of product management experience on fast-moving, consumer-obsessed teams Strong product sense. You have independently authored and executed on a multi-quarter roadmap, and have been around to see the consequences (good and bad) of your decisions. Rigorous and analytical problem solving; well structured, concise, and highly effective communication. Ownership and growth mindset. You act like an owner. You’re often right, but humble and open minded about being wrong. You’re perpetually dissatisfied and striving to improve yourself and the team. Preferred Qualifications Experience building products in fintech or consumer lending Experience with KYC/KYB or verifications, especially with AI automation Experience with securitization and capital markets Position location This role is available in th