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, Monetization 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 - you work directly on Upstart’s mission of offering the best rates for all Americans.

How you’ll make an impact You'll own the fee and pricing mechanisms that determine what Upstart charges across its loan products, directly shaping what customers pay and what Upstart earns on every loan. You'll use novel competitive and customer insight to find fee and pricing improvements, then translate them into sharper models and rules that make our rates competitive, fair, transparent, and trusted at scale. You'll set the fee strategy and roadmap in partnership with ML, Risk, Legal/Compliance, Finance, and Engineering across multiple product lines deciding what to prioritize, why, and when, and keeping those teams aligned as priorities shift.

Ultimately, customers pay fairer, more competitive fees and Upstart grows revenue and trust because of your work.

Minimum Qualifications

5-10 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 with pricing/revenue optimization: elasticity modeling, revenue management, brand impact feedback loop, etc Experience operating in a regulated pricing environment (lending, insurance, financial services) Background in consumer lending, fintech, or capital markets products, with fluency in how fee changes