About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team:
Upstart’s Financial Operations team is the backbone of our financial integrity, building the ledgers, close-automation, and cash-management systems that give executives real-time, audit-ready insight into the company’s performance. Innovating at the intersection of Capital Markets, Accounting, FP&A, Treasury, and Engineering, the team builds the foundational analytics and internal tooling needed to streamline deal execution and improve transparency. Financial Operations solutions play a critical role in shaping how we manage the balance sheet, execute securitization and capital transactions, and maintain a high-quality accounting close process.
As the Principal Product Manager, Financial Operations at Upstart, you will own the vision and roadmap for this FinOps platform end-to-end: replacing spreadsheet sprawl with append-only services, automated controls, and self-service planning tools that scale with our growth. You’ll orchestrate multiple engineering and stakeholder pods, drive SOX-compliant releases, and unlock day-zero visibility for Accounting, FP&A, and Treasury, so leadership can steer the business with speed and confidence.
How you’ll make an impact
- Enable real-time, trustable financial visibility. Ship solutions that cut manual data prep and give FP&A and Treasury instant insight into cash, liquidity, and P&L drivers
- Design and build scalable systems that automate core Treasury and Capital Markets workflows and unlock efficiency
- Accelerate planning and forecasting cycles. Replace manual workflows with a self-service planning platform
- Partner closely with engineering leadership to define the long-term vision and roadmap for reporting and analytics automation
- Institutionalize data governance and audit readiness. Design event-sourced ledgers, evidence capture, and access controls
- Define product strategy and roadmaps and launch features in partnership with engineering teams
Minimum Qualifications
- 5+ yrs of end-to-end product ownership across mission-critical Financial Operations domains (GL, AP/AR, treasury, revenue recognition)
- Experience shipping Business Intelligence tools and data products
- Experience leading initiatives at a Principal PM level
- Proven track record orchestrating across engineering teams to replace manual workflows with real-time services
- Executive-level influence and ability to consistently drive alignment on roadmap, risk trade-offs and control design
- Customer-backed problem framing and discovery excellence. Experience with validation via rapid prototyping
- BA/BS in Finance, Economics, Computer Science, Electrical Engineering, Mathematics, Statistics, a related technical field, or equivalent practical experience
- Agile execution at scale. Demonstrated ability to build and maintain outcome-oriented backlogs, enforce crisp sprint goals, and drive continuous delivery without sacrificing quality or compliance
Preferred Qualifications
- Experience building financial tooling or working in capital markets, treasury, or fintech environments.
- Has shipped at least one SOX-compliant, event-stream ledger or close-automation platform and operated with the full strategic autonomy
- Passion for empowering non-technical teams through data and tooling.
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-MidSenior
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com
https://www.upstart.com/candidate_privacy_policy
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