Principal Product Manager - Personal Loans Growth

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About the role

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people. About the Role Upgrade is seeking a Principal Product Manager to help drive the next phase of growth for our Personal Loans business. In this role, you’ll identify and develop high-impact growth opportunities across the customer journey — from acquisition and conversion to new loan programs, partnerships, market expansion, and deeper relationships with existing customers. You’ll operate as an individual contributor, working closely with Product, Marketing, Partnerships, Risk, Credit, Engineering, Design, Analytics, and Operations. You’ll combine customer insights, data, and business economics to identify opportunities, build the case for investment, and lead cross-functional teams from strategy through execution. This is an ideal role for a highly analytical and commercially minded product leader who enjoys solving ambiguous problems and turning new ideas into measurable business results. This is a hybrid role based in either our San Francisco, CA, or Wilmington, DE, office, with onsite work on Tuesdays and Thursdays. What You’ll Do: • Own and evolve the growth product strategy for Personal Loans, identifying opportunities to grow funded volume, expand our addressable market, improve economics, and increase customer lifetime value. • Develop a deep understanding of the Personal Loans funnel, customer behavior, acquisition channels, credit and fraud constraints, and key drivers of business performance. • Identify, size, and prioritize new growth opportunities, including new loan programs, customer segments, credit capabilities, distribution partnerships, and conversion improvements. • Partner closely with Marketing to connect product strategy with acquisition, customer segmentation, lifecycle marketing, and channel performance. • Partner with Partnerships to identify new distribution opportunities, develop partner-specific experiences, and improve performance across existing relationships. • Work with Risk, Credit, Finance, and Analytics to evaluate opportunities based on customer impact, credit performance, economics, and incremental profitability. • Lead high-impact initiatives that span multiple product and functional teams, creating alignment and driving execution from concept through launch. • Use experimentation, customer research, competitive insights, and data to identify growth constraints and uncover new opportunities. • Define clear hypotheses and success metrics, evaluate performance after launch, and determine where to iterate, scale, or change direction. • Serve as a senior thought partner to Personal Loans leadership on product strategy, prioritization, and investment decisions. What We Look For: • 8+ years of product management experience, including experience operati

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