Senior Product Designer, Growth

About Upstart

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026).

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

The Team:

Upstart’s Growth team is dedicated to creating a seamless loan application experience that allows customers to effortlessly discover and access Upstart’s credit products. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit—driving growth, increasing conversion, and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace.

As a Senior Product Designer on the Growth Design squad, you’ll shape how customers experience Upstart beyond their initial application, focusing on the moments and touchpoints that build trust, encourage ongoing engagement, and support long-term financial confidence. You’ll define experience strategy, lead user research, and design intuitive, insight-driven experiences across mobile and responsive web that help customers understand, manage, and return to Upstart’s products. Partnering closely with Product, Engineering, Data Science, and Marketing, you’ll balance experimentation with a cohesive long-term vision, crafting experiences that drive retention, loyalty, and measurable business impact.

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

How you’ll make an impact

Create user journeys, wireframes, prototypes, and polished mockups that shape the identity experiences for log in, account creation and management, registration, authentication, and profile creation and management. Lead research and usability studies to understand customer behavior, pain points, and expectations around login, multi-factor authentication, and account management. Partner with product and engineering teams to define profile and account experiences that reduce friction and boost conversion, while balancing strong security and user trust. Design accessible, inclusive, and scalable solutions across both internal tools and customer-facing experiences, keeping regulatory and compliance needs in mind. Build and maintain design artifacts (user flows, personas, interaction specs) that align identity experience strategy across the platform. Use quantitative and qualitative data to validate design decisions and iterate on experiences that improve user confidence and platform adoption. Contribute to a unified design system that supports consistent and secure identity patterns across all Upstart products. Minimum Qualifications

7+ years of experience designing customer-facing digital products, with a focus on secure user flows or identity-related features (e.g. login, registration, authentication). Demonstrated expertise designing for both responsive web and native mobile experiences. Strong portfolio demonstrating end-to-end design thinking with attention to both user needs and security requirements.

Skilled with Figma and design research tools like Usertesting, Maze, or Lookback. Experience balancing usability and privacy, with a passion for simplifying complex or sensitive user flows. Confident communicator and collaborator, comfortable sharing designs, receiving feedback, and partnering across disciplines including security, compliance, and engineering. Preferred Qualifications

Experience designing for consumer fintech or other regulated industries. Background in lifecycle design, growth experimentation, or marketplace ecosystems. Demonstrated success designing for engagement, retention, or cross-sell experiences in multi-product environments. Experience working within and contributing to design systems at scale. Deep commitment to accessibility, inclusive design, and ethical user engagement principles. What youll love:

Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices

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At Upstart, your base pay is one part of your total compensation package. 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. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

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$162,100—$224,500 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy