About Upstart
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's 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 two-thirds of Upstart loans are approved instantly and are fully automated.
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; and Austin, Texas.
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 Identity Platform and Experiences team is a multidisciplinary group responsible for designing, building, and maintaining a secure, scalable, and user-friendly identity and access management (IAM) ecosystem for our customers and lending partners. Our mission is to seamlessly connect users across products and services while ensuring top-tier security, compliance, and usability.
As the Product Manager - Identity Platform at Upstart, you will blend strategic vision, technical expertise, and a user-centric mindset to drive seamless, secure, and scalable identity solutions. You will shape how users and businesses Authenticate and Authorize with Upstart and use our products in a way that feels invisible yet robustly secure.
How you’ll make an impact
- Define and champion the IAM roadmap that balances security, user experience, and business needs.
- Anticipate future trends in authentication, Authorization, privacy, and decentralized identity (e.g., passkeys, biometric authentication).
- Reduce friction in login, registration, and recovery flows, ensuring high conversion and retention rates.
- Own APIs and SDKs for authentication and authorization, ensuring internal and external developers can integrate easily.
- Advocate for user control over identity and access supporting transparent data consent management.
- Act as the bridge between engineering, security, design, and business teams to align identity goals with product initiatives
Minimum Qualifications
- 5+ years of product management experience in identity, authentication, authorization products.
- Proven track record of building and scaling platform-level products (Identity, Security, APIs, or Developer Platforms).
- Strong understanding of authentication protocols (OAuth 2.0, OpenID Connect (OIDC), SAML) , identity federation, security best practices in IAM and Single Sign-On (SSO) solutions.
- Ability to balance security and usability, ensuring a seamless user experience while improving registration, login, and account recovery flows to reduce friction
- Strong ability to influence and communicate with senior leadership and external stakeholders.
- Ability to align identity investments with business growth, customer trust, and platform scalability.
Preferred Qualifications
- Experience with identity providers (Okta, Auth0, Keycloak, Google Identity, AWS Cognito).
- Knowledge of emerging identity trends (Decentralized Identity, Verifiable Credentials, Passkeys).
- Background in security engineering, IAM architecture, or risk/fraud prevention.
- Experience in a regulated industry (finance, healthcare, enterprise SaaS) where identity security is critical.
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.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- 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
#LI-REMOTE
#LI-MidSenior --> use for L5, L6
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 USD
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
Gallery
Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
