Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada.

Digital-first doesn’t mean distant. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

The Upstart Home

Lending team is on a mission to dramatically scale our Home Equity Line of Credit (HELOC) business through 2027 and beyond. We’re building the fastest, simplest way for homeowners to access their home equity while delivering industry-leading rates, with a focus on increasing applicant conversion, reducing cost per loan, and maintaining the high risk standards required to support a healthy capital markets business.

Senior Product

Manager, HELOC Decisioning At Upstart, you will own the strategy and execution of our underwriting and verification experience, helping more qualified borrowers access HELOCs with less friction and better rates. You'll partner across engineering, risk, ML, capital, and compliance to expand borrower eligibility, increase automation and instant approvals, and build intelligent decisioning systems that optimize conversion, operational efficiency, and portfolio quality. Own the strategy and roadmap for streamlining the our decisioning & verification experience, translating risk, capital, compliance, and borrower-experience needs into clear priorities, requirements, and launch plans Collaborate cross-functionally with Capital, Compliance, Risk,



and ML on expanding underwriting guidelines to reach new borrowers; Define and evolve the backend logic for underwriting and decisioning, ensuring complex engineering systems capture all aspects of borrower risk; balance accuracy with friction, choosing the appropriate amount of data vs. uncertainty in risk tradeoffs Increase automation and instant approvals in the HELOC underwriting process by leveraging new data sources and/or ML (including LLMs) to reduce manual human work while increasing speed and quality 5+ years of product management experience on quick-moving, customer-obsessed teams. ~ You are pragmatic about data, comfortable making decisions with imperfect information, and have well-calibrated risk judgment. ~ Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely.

S but are encouraged to still spend high quality time in-person collaborating via regular onsites. At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.

Health Savings

Account contributions from Upstart for eligible plans (US only) Income protection benefits,



including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Employee Assistance Program (EAP) offering mental health support and life-centered resources Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec.

United

States | Remote - Anticipated Base Salary Range The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). $Canada | Remote - Anticipated Base Salary Range Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). $153,000—$190,000 CAD #

📌 Senior Product Manager, HELOC Decisioning (Quebec City)
🏢 Upstart
📍 Quebec City