Senior Product Manager, ASPL

About the role

You will own the end-to-end strategy and execution for the Auto Secured Personal Loans (ASPL) product at Upstart, driving both growth and operational excellence. You will partner deeply with research scientists, data analysts, legal, compliance, and operations to translate complex requirements into clear product specifications. You will define the roadmap and prioritize features that remove barriers and expand access to secured loan offers within the Personal Loans funnel. You will lead cross-functional alignment with engineering, UX design, marketing, and capital markets to ensure solutions meet business goals and regulatory standards. You will analyze borrower behavior and market dynamics to refine positioning, pricing, and user experience for the ASPL segment. You will champion data-driven decision making, using experimentation and feedback loops to validate hypotheses and iterate quickly. You will communicate progress and rationale clearly to stakeholders, building trust and consensus across a distributed, digital-first organization. If you are motivated by meaningful impact and comfortable navigating ambiguity, this role offers a chance to shape a rapidly evolving product in a high-growth portfolio.

Key facts

What you'll do

• Conduct in-depth research to understand the motivations and needs of ASPL borrowers and their decision-making journey.
• Define the strategic direction and execution plan for offering ASPL within Upstart's core Personal Loans funnel.
• Analyze constraints and friction points that limit the availability of ASPL to eligible applicants and design actionable plans to remove them.
• Partner with the engineering manager to translate product requirements into technical specifications and timelines.
• Collaborate with product designers to craft intuitive user flows, interfaces, and experiences that align with brand and regulatory expectations.
• Work with product leaders across Upstart to align priorities, share insights, and ensure cross-product coherence.
• Engage with legal and compliance experts to interpret regulations and ensure all product proposals meet statutory requirements.
• Liaise with analytics teams to define metrics, set up tracking, and interpret results to guide product optimization.
• Coordinate with the Capital Markets organization to develop and execute plans to secure funding for ASPL.
• Partner with operations and support teams to understand borrower concerns and incorporate feedback into product improvements.
• Establish experiments and evaluation frameworks to test new features and measure impact on conversion and quality.
• Document product decisions, trade-offs, and rationales to maintain clarity and continuity over time.
• Advocate for the borrower and internal stakeholders throughout the product lifecycle from discovery to launch.
• Drive prioritization and roadmap planning sessions to balance competing demands and focus on highest-value opportunities.

Requirements

• 4+ years of product management experience on fast-moving, consumer-obsessed teams.
• Strong product sense with a track record of independently authoring and executing on a multi-quarter roadmap.
• Rigorous and analytical problem-solving skills with well-structured, concise, and highly effective communication.
• Ownership and growth mindset, acting like an owner and remaining humble and open to being wrong.
• Demonstrated ability to thrive in a fast-paced, dynamic environment while maintaining attention to detail.
• Comfort working with large datasets, metrics, and analytical tools to inform product decisions.
• Experience collaborating with cross-functional teams including engineering, design, marketing, legal, and compliance.
• Willingness to travel occasionally for team onsites, planning sessions, and stakeholder meetings as needed.

Nice to have

• Experience building products in fintech or consumer lending.
• Experience with KYC/KYB or verifications, especially with AI automation.
• Experience with securitization and capital markets.

Practical notes

This role is based in the United States and is remote eligible, with most team members working from home or collaborating from one of Upstart's offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026). Digital-first collaboration is the default, supported by intentional in-person onsites and planning sessions designed to spark creativity and build trust. The position requires occasional travel for team events and stakeholder meetings. Time zone alignment with the core team is expected to enable effective collaboration during standard working hours.