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Salary: USD 180,000 - 250,000 / annual
Upgrade is a fintech company that has helped over 7.5 million customers access over $42 billion in consumer credit since 2017. The company is valued at $7.3B and backed by prominent technology investors.
You will lead the next phase of growth for Upgrade's Personal Loans business as Director of Product Management. Operating as an individual contributor, you'll identify and develop high-impact growth opportunities across the entire customer journey—from acquisition and conversion to new loan programs, partnerships, market expansion, and deepening relationships with existing customers.
You'll work closely with cross-functional teams including Product, Marketing, Partnerships, Risk, Credit, Engineering, Design, Analytics, and Operations. Your responsibilities include:
• Own and evolve the growth product strategy for Personal Loans, identifying opportunities to grow funded volume, expand addressable market, improve economics, and increase customer lifetime value
• Develop deep understanding of the Personal Loans funnel, customer behavior, acquisition channels, credit and fraud constraints, and key business performance drivers
• Identify, size, and prioritize new growth opportunities including new loan programs, customer segments, credit capabilities, distribution partnerships, and conversion improvements
• Partner with Marketing to connect product strategy with acquisition, customer segmentation, lifecycle marketing, and channel performance
• Partner with Partnerships to identify new distribution opportunities and improve performance across existing relationships
• Work with Risk, Credit, Finance, and Analytics to evaluate opportunities based on customer impact, credit performance, economics, and incremental profitability
• Lead high-impact initiatives spanning multiple product and functional teams, creating alignment and driving execution from concept through launch
• Use experimentation, customer research, competitive insights, and data to identify growth constraints and uncover new opportunities
• Define clear hypotheses and success metrics, evaluate performance after launch, and determine where to iterate, scale, or change direction
• Serve as senior thought partner to Personal Loans leadership on product strategy, prioritization, and investment decisions
This is a hybrid role based in either San Francisco, CA or Wilmington, DE, with onsite work required on Tuesdays and Thursdays.
**Requirements:**
• 8+ years of product management experience, including experience operating at Senior or Principal level with a track record of driving meaningful business outcomes
• Proven ability to identify growth opportunities and translate ambiguous problems into clear product strategies, prioritized roadmaps, and successful products
• Strong analytical and commercial instincts, with experience using data to understand customer behavior, conversion funnels, unit economics, and business tradeoffs
• Experience in consumer lending, credit cards, fintech, or another data-intensive consumer financial product strongly preferred
• Experience partnering closely with Marketing, Growth, Business Development, or Partnerships teams
• Familiarity with credit decisioning, payments, funding infrastructure, or loan origination is a plus
• Strong quantitative skills and comfort with experimentation, financial analysis, funnel analytics, and SQL
• Ability to understand and navigate tradeoffs across growth, customer experience, risk, fraud, compliance, and economics
• Proven ability to lead complex cross-functional initiatives and influence senior stakeholders across Product, Engineering, Marketing, Risk, Finance, and other functions without direct authority
• Experience working with external partners or vendors to develop and test new capabilities is a plus
• Strong written and verbal communication skills, with ability to simplify complex problems, develop compelling business cases, and create alignment around strategic decisions
• High degree of ownership, intellectual curiosity, and comfort operating in a fast-moving environment
• Bachelor's degree required; MBA, quantitative, or technical degree a plus
