Principal Product Manager, Marketplace Optimization

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 Marketplace Optimization team builds and scales systems that clear Upstart’s marketplace by balancing tradeoffs for borrowers, lenders, investors, and Upstart. We enable borrowers to access credit, and our capital partners to deploy capital efficiently and with confidence . As the Principal Product Manager, Marketplace Optimization at Upstart, you will partner with Machine Learning to optimize those systems, and work with our engineering and business teams to simplify and automate the operations of the system. You will design experiments to test your best ideas, and be responsible for defining and hitting goals for every side of Upstart’s marketplace. How you’ll make an impact You’ll create the mechanisms that clear Upstart’s marketplace, improving rates for customers and returns for capital partners. Shape the algorithms that determine how participants are matched, and define the rules that support stable, trusted outcomes for all participants at scale. You’ll collaborate on the vision and strategy for Upstart’s marketplace with Machine learning, our business teams, and engineering. What should we focus on, why, and when? Ultimately customers tangibly save money and capital partners earn superior risk-adjusted returns thanks to your work. Minimum Qualifications 8+ years experience in a marketplace product management role, with demonstrated success leading an engineering team to deliver critical initiatives in the domains of pricing, monetization, matching, routing, incentives. Ability to build relationships and effectively collaborate with all levels of the organization, from C-level to individual contributors Ability to manage and influence through persuasion, negotiation, and consensus building. Preferred Qualifications Academic degree in Economics, Econometrics, Statistics, Operations Research Hands-on experience applying optimization and simulation to real business problems. Track record driving automation that reduces manual work in operational workflows. Background in marketplace pricing, matching, or capital/finance products — able to translate business constraints into system configs Strong experiment design+analysis experience (A/B testing, offline simulations, and metrics-driven decisions) Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West ... (truncated, view full listing at source)