Senior Product Manager, Personal Loans

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About this Role:

We're looking for a Senior Product Manager for our Personal Loans product. In this pivotal role, you'll own and drive key initiatives shaping user experiences and value. The role is perfect for those who are self-motivated and excel in an agile environment. You’ll be responsible for leading and collaborating with designers, engineers, marketers, and key partners to deliver impactful, measurable outcomes. Please note that this is a role in hybrid capacity based in our downtown San Francisco office, with onsite work on Tuesdays and Thursdays.

What You'll Do:

• Spearhead product strategy and execution for Upgrade's core Personal Loans business, owning critical components of our lending origination platform including conversion funnel optimization, partner integrations, and customer-facing experiences


• Lead end-to-end product initiatives from concept through delivery and post-launch optimization, continuously improving conversion and customer acquisition.


• Cultivate strategic partnerships with Engineering, Risk, Compliance, and external fintech ecosystem partners, leveraging their expertise to inform product roadmap and execution plans


• Identify market opportunities, analyze competitive landscape, and propose innovative solutions to enhance our lending products and capture market share


• Translate customer insights, business goals, and market trends into prioritized product requirements, using data-driven decision making to maximize impact

What We Look For:

• 5+ years of product management experience with demonstrated success in driving KPIs through thoughtful product development and user-centric design


• Bachelor's degree required; MBA or technical degree a plus


• Proven track record of successful product delivery in consumer finance, lending platforms, or fintech environments; financial services product experience strongly preferred


• Technical proficiency including experience with financial services APIs, integration architectures, data analytics platforms, A/B testing methodologies, and SQL


• Strong understanding of lending regulations, underwriting processes, and credit risk principles


• Exceptional stakeholder management skills with ability to align diverse teams and navigate complex organizational dynamics

What We Offer You:

• Competitive salary and stock option plan


• 100% paid coverage of medical, dental and vision insurance


• Flexible PTO


• Opportunities for professional growth and development


• Paid parental leave


• Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $180,000-$200,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

#BI-Hybrid #LI-Hybrid

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.