Principal Product Manager, Machine Learning and Pricing

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 Machine Learning Pricing team is composed of software engineers, Machine Learning research scientists, and data scientists, on a mission to improve the accuracy of our credit risk and underwriting models and deliver the best rates for all. While the team’s primary focus is on our flagship product, Personal Loans, it is also chartered to build the pricing platform that is utilized by all Upstart loan product teams across relief, auto, and home loans. As a Principal Product Manager at Upstart, you will ship core improvements to our pricing decision engine, with a focus on improving the accuracy of our credit underwriting models, driving increased originations for our core Personal Loan product, and building a scalable platform that can be utilized by other loan products at Upstart. You will drive the strategic direction and day-to-day execution of a cross-functional technical team of software engineers, research scientists, and data scientists that work on improvements to our pricing decision engine, the system that determines what rates consumers see when applying for a loan with Upstart. How you’ll make an impact Conduct user research, analyze portfolio performance, and manage stakeholders to drive consensus towards a roadmap for our pricing decision engine Identify new opportunities to improve the accuracy and speed of credit underwriting decisions Write detailed requirements; manage agile processes to ensure consistent execution and accurate timelines across engineering and machine learning teams Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary Deliver improved credit performance for our lending partners and investors while advocating for an excellent customer experience Demonstrate and encourage best practices in product management by working with other PMs throughout the company 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. Knowledge of machine learning workflows (e.g. model training, online inference, feature management, etc.) Experience working with a machine learning team to ship models into production. Demonstrated ability to achieve strategic goals in an innovative an ... (truncated, view full listing at source)