Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers.

Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. 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 team owns the core platform capabilities used by banks, credit unions, and institutional investors to onboard, configure programs, execute originations and loan sales, and monitor portfolio performance.Operating at the intersection of product, engineering, capital markets, finance, and compliance, the Capital Platform team focuses on building enterprise-grade, configurable, and reusable infrastructure that supports a growing and increasingly diverse set of capital partners across products. As a Principal Product Manager, Capital Platform, This role is well suited for a Staff+ IC who thrives in ambiguity, enjoys building enterprise-grade platforms from first principles, and wants to shape how lenders and investors integrate with Upstart at scale.

You will lead multi‑quarter initiatives that cut across product, engineering, finance, and compliance, and deliver durable, extensible systems that serve both current and future capital partners. Own the strategy, roadmap, and execution for a major Capital Platform problem space with material business impact Partner deeply with engineering to define product architecture, tradeoffs, sequencing,



and long‑term evolution of capital platform systems Use data, customer insight, and domain knowledge to make high‑conviction product decisions and prioritize effectively Proven track record designing and shipping platforms or shared systems, not just standalone features ~ onboarding, configuration, payments, compliance, reporting) ~ Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs ~ Bachelor’s degree or equivalent practical experience in a technical, analytical, or business‑related field Experience building enterprise‑grade platforms or infrastructure products, particularly in financial services, fintech, or regulated domains Experience with zero‑to‑one product development, including defining problem spaces, validating solutions, and scaling initial implementations Experience building or evolving data platforms, reporting systems, or analytics products Prior collaboration with machine learning, data science, or advanced analytics teams 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.

LI-REMOTE #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).

United

States | 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).

Canada | Remote - Anticipated Base Salary Range $182,800—$230,000 CAD At Upstart, our advantages 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 Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) 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 Current York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

📌 Principal Product Manager, Capital Platform (Montreal)
🏢 Upstart
📍 Montreal