Principal Product Manager, Monetization

Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans. The Principal Product Manager, Monetization will optimize marketplace systems, partner with Machine Learning, and collaborate with engineering and business teams to enhance operations and pricing strategies.

Responsibilities:

• 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

Requirements:

• 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
• 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 flow into unit economics and investor/funding economics
• Strong experiment design and analysis skills, including experience drawing conclusions when live A/B testing is constrained (offline simulation, quasi-experimental methods, competitive benchmarking)
• Track record using data/AI tools to surface competitive or customer insight that changed a pricing or fee strategy, not just to automate reporting
• Strong experiment design+analysis experience (A/B testing, offline simulations, and metrics-driven decisions)