Product Designer, Senior (WFH)

About the Company

Upstart is an AI-powered lending marketplace working to reduce the cost and complexity of borrowing for Americans. The company partners with banks and credit unions to expand access to affordable credit through technology and data-driven decision-making.

Upstart operates as a digital-first organization, with employees across more than 80 cities in the United States and Canada. While most work can be done remotely, the company encourages in-person collaboration through team onsites and planning sessions. Its offices are located in Columbus, Austin, the Bay Area, and New York City, which is scheduled to open in Summer 2026.

About the Role

Upstart is seeking a Senior Product Designer to join its AI Experience Platform (AIXP) team. The team works closely with Payments and Borrower Experience to create intuitive, trustworthy ways for borrowers to interact with their finances across traditional digital interfaces and conversational AI experiences.

In this role, you will lead the design of AI-powered payment experiences, helping borrowers make, manage, and recover payments. You will turn complex financial workflows into clear, accessible interactions while working closely with product managers and engineers to shape product direction, test ideas, and improve user outcomes.

Key Responsibilities

• Design end-to-end payment experiences across web interfaces and conversational AI agents, maintaining consistency and clarity across interaction modes.
• Translate complex payment workflows, including ACH, debit, and failed payments, into intuitive experiences that address edge cases and error states.
• Define and refine interaction patterns for conversational interfaces, including dialogue flows, fallback behaviors, and multi-step task completion.
• Partner with product managers and engineers to shape product direction, define solution scope, and deliver meaningful user outcomes.
• Use A/B testing, user behavior insights, and other data to improve designs and track metrics such as payment success and engagement.
• Contribute to design systems by creating and extending reusable patterns for AI-native and conversational experiences.

Required Qualifications

• Bachelor’s degree in Design, Human-Computer Interaction, Computer Science, or a related field, or equivalent practical experience.
• At least five years of product design experience delivering end-to-end user experiences for digital products.
• Experience designing conversational, chat-based, or AI-assisted user interfaces.
• Experience designing complex workflows involving branching logic, edge cases, and error handling.
• Proficiency with Figma and prototyping tools for interactive or conversational flows.

Preferred Qualifications

• Experience designing interfaces powered by large language models (LLMs), including chatbots, AI agents, or copilots.
• Experience designing transactional or financial workflows, such as payments, checkout, or lending.
• Familiarity with fintech or regulated consumer products.
• Ability to establish new interaction patterns in emerging product areas.
• Experience working with design systems and contributing reusable components or frameworks.

Work Arrangement and Travel

• Work Arrangement: Remote
• Time Zone Requirements: The team operates across East Coast and West Coast time zones.
• Travel: Most work can be completed remotely. Employees are encouraged to participate in in-person collaboration through regular team onsites. The frequency varies by team and role, with most teams meeting once or twice per quarter for two to four consecutive days.

Salary and Benefits

United States — Remote: Anticipated base salary range of $162,100–$224,500 USD.

Canada — Remote: Anticipated base salary range of $153,000–$190,000 CAD.

Actual base pay depends on geographic compensation region, job-related skills, experience, education, and training. Recruiters can provide the specific salary range for a candidate’s preferred location. Total compensation may also include target bonuses and equity compensation.

Benefits include:

• Medical, dental, and vision coverage, with Upstart covering 90%–100% of the cost depending on the selected plan.
• 401(k) plan with a company match of $2 for every $1 contributed, up to $15,000 per year.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees.
• Health Savings Account contributions for eligible plans.
• Company-paid basic life, accidental death and dismemberment (AD&D), and short- and long-term disability coverage, with optional supplemental coverage.
• Paid time off, sick and safe time, and company holidays.
• Paid family and parental leave.
• Family benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving.
• Employee Assistance Program (EAP) for mental health support and other personal resources.
• Financial wellness resources, including financial planning tools and a financial concierge service.
• Annual wellness allowance for physical and emotional well-being and personal development.
• Annual productivity allowance for work-related tools and resources.
• Team events, company updates, employee resource groups (ERGs), and in-person onsites.
• Catered lunches and stocked micro-kitchens when working from an Upstart office.

Equal Opportunity Statement

Upstart is an Equal Opportunity Employer committed to inclusive and fair hiring practices. Candidates who need reasonable accommodation during the application, interview, pre-employment testing, or employee selection process may contact candidate_accommodations@upstart.com.