Senior Product Manager, Home Improvement

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 this Role

We're looking for a Senior Product Manager for our Home Improvement Loan product. In this pivotal role, you'll own and drive key initiatives shaping both merchant and customer experiences. 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 sales, 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 Home Improvement business, owning critical components of the platform including conversion funnel optimization, underwriting, servicing, and both merchant- and customer-facing experiences
• Lead end-to-end product initiatives from concept through delivery and post-launch optimization, continuously improving merchant retention and customer acquisition
• Drive partner integrations and unlock new monetization opportunities through APIs with external fintech ecosystem partners
• Partner closely with Engineering, Risk, and Compliance, leveraging their expertise to shape the product roadmap and execution plans
• Identify market opportunities, analyze the competitive landscape, and propose innovative solutions that strengthen our lending products and grow 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
• Technical proficiency including experience with financial services APIs, integration architectures, data analytics platforms, A/B testing methodologies, and SQL
• 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
• 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
• Competitive 401(k) and RRSP program
• 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
• For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

Environmental & Working Conditions

• Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations.
• Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.

The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need.

Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position.

Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings.

Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement.