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About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
The Team
Upstart’s Growth Marketing team drives scalable, data-driven customer acquisition across our lending products. We design, execute, and optimize media strategies that connect consumers to credit at the moments that matter most.
As a Senior Lifecycle Marketing Manager at Upstart, you will be responsible for maintaining and growing our Activation (funnel conversion) program for Personal Loans and Small Dollar Loans. You will ideate, prioritize, execute, and report on journeys that drive applicants to complete their application and successfully fund their loan. Your primary levers will be email, SMS, push, and VoApps (ringless voicemail).
How you’ll make an impact:
- Drive growth from new and existing customers via the ideation, launch, and optimization of omni-channel journeys
- Responsibility for E2E execution of said journeys, including business strategy definition, creative strategy, success metrics, and read-out of results
- Bridge the gap between a technical development teams, product, and a strategic marketing team by creating detailed requirements for projects, like audience criteria and if/then logic
- Size and estimate potential project impact on CAC, revenue, and other KPIs
- Help build and execute against a hypothesis-driven testing roadmap for owned journeys
- Identify cross-functional opportunities to improve the customer lifecycle, and provide strategic and operational leadership to those projects
- Uplevel the team’s processes and documentation of journeys
- Maintain and improve reporting dashboards, in partnership with Analytics
- Partner with Creative team to build visually seamless, highly engaging touchpoints
- With the wider business, share plans, results, learnings, and best practices
- Serve as a CRM and lifecycle marketing subject matter expert on the Growth team
What we’re looking for:
- 4+ years experience in lifecycle marketing
- A proven track record at driving measurable results toward KPIs
- Ability to pull and translate complex data results into actionable, revenue-driving insights with minimal assistance
- Advanced skill in spreadsheet tools and familiarity with BI tools such as Looker or Mode
- A strong understanding of statistical testing principles within CRM
- Demonstrated success in managing complex cross-functional projects with business, technical, and creative stakeholders
- A self-starter who sees challenges as opportunities and is a creative problem-solver
- Hands-on experience in Iterable is a must
- Excellent written and verbal communication skills
- Highly driven and results-oriented work ethic
- Experience with SMS and/or mobile push strongly preferred
- Bonus if you’ve worked with a CDP (we use HighTouch)
*This opportunity is a contractor role and is not eligible for Upstart’s employee compensation, equity, bonus, or benefits offerings.*
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
#LI-REMOTE
This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.
At Upstart, your base pay is one part of your total compensation package. The anticipated annualized 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).
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
- Paid time off, sick and safe time, and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
Upstart 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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Upstart San Mateo, California, USA Office
Upstart's office in San Mateo is located on the peninsula between San Francisco and the South Bay with easy Caltrain access and proximity to several apartment complexes. The office is close to several shopping donations including an outdoor beer garden.
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