Senior Product Manager, HELOC Decisioning Upstart · US · fintech $153k–225k/yr $153k–225k/yr ● New

Job description

# Senior Product Manager, HELOC DecisioningUpstartThis Senior Product Manager role focuses on fintech lending, specifically overseeing the automated underwriting and verification systems for Home Equity Lines of Credit (HELOC).### What you’d own* Strategy and roadmap for decisioning verification experience* Backend logic for underwriting and decisioning systems* Automation of underwriting via ML and LLMs* Cross-functional alignment on risk, capital, and compliance### Who it’s forA fit if you...* ✓You have 5+ years of experience in high-velocity product environments* ✓You have experience designing complex backend systems* ✓You are comfortable making decisions with imperfect data and risk tradeoffs* ✓You have experience partnering with Machine Learning teamsNot for you if...* ✗You prefer purely front-end or UI-focused product work* ✗You prefer a low-ambiguity environment with clear, pre-defined requirements* ✗You are looking for a role without heavy regulatory and risk constraints### Reading between the lines* The emphasis on 'risk, capital, and compliance' suggests a highly regulated environment where safety outweighs speed.* The mention of 'downstream consequences' implies high accountability for the long-term health of the loan portfolio.Not sure this one is for you? See the best-fit roles across 1,383 open PM roles.Paste your resume — it runs in your browser. Free, no signup, nothing uploaded.Match my resumeApply nowPostedYesterdaySenioritySeniorSalary$153k–225k/yrLocationUSProduct areafintechTypeFull-time### Role typeAI NativeTechnical PM### BenefitsHealthDentalVisionEquityBonus401kRetirement MatchPTOParental LeaveWellnessFull job description### About UpstartSee all roles →Upstart is an AI lending marketplace that uses machine-learning credit models to approve borrowers traditional FICO-based scorecards miss, connecting consumers to 100+ banks and credit unions. For borrowers it offers personal loans, auto refinance, HELOCs, and small-dollar relief loans with quick rate checks and next-day funding; for lenders it provides the AI models and cloud software behind the loans. The company has served 4M+ customers and powered $57B+ in originations, and trades publicly on NASDAQ as UPST. Culturally it is proudly digital-first and mostly remote, with intentional in-person onsites, equity from day one, 401(k) matching, paid parental leave, and fertility benefits, and values critical thinking, honest debate, and humility.

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