Principal Product Manager, Monetization

This is a fully remote position, open to applicants in United States.

📋 Description

• You will be responsible for the fee and pricing mechanisms that determine the charges for Upstart's loan products, directly influencing what customers pay and what Upstart earns on every loan.

• Leveraging innovative competitive and customer insights, you will identify opportunities for fee and pricing enhancements and convert them into refined models and rules that ensure our rates remain competitive, equitable, transparent, and scalable.

• You will collaborate with ML, Risk, Legal/Compliance, Finance, and Engineering to establish the fee strategy and roadmap across various product lines, determining priorities and maintaining alignment as priorities evolve.

• Ultimately, your efforts will lead to customers experiencing fairer, more competitive fees while Upstart enhances its revenue and trust.

⛳️ Requirements

• 5-10 years of experience in a marketplace product management role, with a proven track record of successfully leading an engineering team to execute critical initiatives in pricing, monetization, matching, routing, and incentives.

• Strong relationship-building skills and the ability to collaborate effectively with all organizational levels, from C-suite executives to individual contributors.

• Skilled in managing and influencing others through persuasion, negotiation, and consensus-building.

• An academic background in Economics, Econometrics, Statistics, or Operations Research.

• Practical experience in pricing/revenue optimization, including elasticity modeling, revenue management, and brand impact feedback loops.

• Familiarity with operating in a regulated pricing environment, such as lending, insurance, or financial services.

• Experience in consumer lending, fintech, or capital markets products, with a solid understanding of how fee changes impact unit economics and investor/funding economics.

• Proficient in experiment design and analysis, with experience in drawing conclusions when live A/B testing is constrained (using offline simulation, quasi-experimental methods, and competitive benchmarking).

• A history of utilizing data/AI tools to uncover competitive or customer insights that have influenced pricing or fee strategies, rather than merely automating reporting.

• Strong experience in experiment design and analysis (A/B testing, offline simulations, and metrics-driven decision-making).

🏝️ Benefits

• Competitive compensation package, including base salary, bonus opportunities, and quarterly vesting annual equity grants.

• Retirement benefits to assist in future planning, featuring a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).

• Employee Stock Purchase Plan (ESPP) offering discounted stock purchase options for eligible employees (US only).

• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for the US, along with supplemental health coverage for Canada.

• Contributions from Upstart to Health Savings Accounts for eligible plans (US only).

• Income protection benefits, including life insurance and disability coverage for added financial security.

• Paid time off, sick leave, and company holidays, in accordance with local regulations.

• Paid family and parental leave to assist with caregiving and significant life events (duration varies by country).

• Family-oriented benefits to support fertility, parenthood, and caregiving needs.

• Employee Assistance Program (EAP) providing mental health support and life-centered resources.

• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only).

• Annual wellness allowance to enhance your physical and emotional well-being and personal development, based on your individual needs.

• Annual productivity allowance to invest in relevant tools and resources necessary for your best work, regardless of your work location.

• Opportunities for connection and community through team events, all-company updates, and employee resource groups (ERGs).

• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).