Senior Product Designer, Payments

Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Senior Product Designer will lead the design of AI-powered payment experiences, ensuring intuitive user interactions and collaborating with product managers and engineers to enhance borrower financial health.

Responsibilities:

• Design end-to-end payment experiences across web interfaces and conversational AI agents, ensuring consistency and clarity across interaction modes
• Translate complex payment workflows (e.g., ACH, debit, failed payments) into intuitive user experiences that handle edge cases and error states effectively
• Define and evolve interaction patterns for conversational interfaces, including dialogue flows, fallback behaviors, and multi-step task completion
• Partner closely with product managers and engineers to shape product direction, scope solutions, and deliver high-impact user outcomes
• Use data and experimentation (e.g., A/B testing, user behavior insights) to iterate on designs and improve key metrics such as payment success and engagement
• Contribute to and extend design systems by establishing reusable patterns for AI-native and conversational experiences

Requirements:

• Bachelor's degree in Design, Human-Computer Interaction, Computer Science, or a related field (or equivalent practical experience)
• 5+ years of product design experience delivering end-to-end user experiences for digital products
• Experience designing conversational, chat-based, or AI-assisted user interfaces
• Experience designing complex workflows with branching logic, edge cases, and error handling
• Proficiency with Figma and prototyping tools for interactive or conversational flows
• Experience designing LLM-powered interfaces such as chatbots, AI agents, or copilots
• Experience designing transactional or financial workflows such as payments, checkout, or lending
• Familiarity with fintech or regulated consumer products
• Ability to define new interaction patterns in emerging product spaces
• Experience working with design systems and contributing reusable components or frameworks