SlipstreamJobs tracks this role from the company's public career site. Apply directly on the employer's site.
Salary: USD 180,000 - 220,000 / annual
Upgrade is a fintech company that has helped over 7.5 million customers access more than $42 billion in consumer credit since 2017. The company is valued at $7.3B and backed by prominent technology investors.
You will serve as Principal Product Manager for the Personal Loans business, operating as a senior individual contributor responsible for identifying and developing high-impact growth opportunities across the entire customer journey—from acquisition and conversion through new loan programs, partnerships, market expansion, and deepening relationships with existing customers.
Key responsibilities include:
- Owning and evolving the growth product strategy for Personal Loans, focusing on funded volume growth, addressable market expansion, economics improvement, and customer lifetime value.
- Developing deep understanding of the Personal Loans funnel, customer behavior, acquisition channels, credit and fraud constraints, and key business performance drivers.
- Identifying, sizing, and prioritizing new growth opportunities including loan programs, customer segments, credit capabilities, distribution partnerships, and conversion improvements.
- Partnering closely with Marketing on product strategy alignment, customer segmentation, lifecycle marketing, and channel performance.
- Collaborating with Partnerships to identify distribution opportunities, develop partner-specific experiences, and improve existing relationships.
- Working with Risk, Credit, Finance, and Analytics to evaluate opportunities based on customer impact, credit performance, economics, and incremental profitability.
- Leading high-impact cross-functional initiatives spanning multiple product and functional teams, creating alignment and driving execution from concept through launch.
- Using experimentation, customer research, competitive insights, and data to identify growth constraints and uncover new opportunities.
- Defining clear hypotheses and success metrics, evaluating post-launch performance, and determining iteration, scaling, or directional changes.
- Serving as a senior thought partner to Personal Loans leadership on product strategy, prioritization, and investment decisions.
You will work closely with Product, Marketing, Partnerships, Risk, Credit, Engineering, Design, Analytics, and Operations teams. 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.
