Head of Lifecycle Marketing, Personal Loans

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 Lifecycle Marketing team helps customers engage with the right financial products throughout every stage of their journey. The team develops data-driven lifecycle strategies that improve customer experiences, deepen engagement, and drive measurable business outcomes across Upstart's lending products. As the Head of Lifecycle Marketing, Core Products, you will lead the lifecycle strategy for Upstart's Personal Loan and Small Dollar Loan products. You'll manage a team of Lifecycle Marketers while partnering closely with Product, Creative, Product Marketing, Analytics, and Growth Marketing to develop customer journeys that improve engagement, increase revenue, and create exceptional customer experiences at scale. How you’ll make an impact Lead the lifecycle marketing strategy, roadmap, and execution for Upstart's core lending products, driving measurable revenue growth across customer lifecycle programs. Manage, coach, and develop a team of Lifecycle Marketing Managers, establishing clear priorities, raising execution quality, and supporting professional growth. Design and optimize customer journeys using segmentation, experimentation, personalization, and AI-powered decisioning to improve customer engagement and lifecycle performance. Partner cross-functionally with Product, Creative, Product Marketing, Analytics, and Growth Marketing teams to deliver integrated customer experiences and influence roadmap priorities. Develop revenue forecasts, analyze funnel performance, and communicate business results, risks, and opportunities to senior leadership through clear written updates and recommendations. Continuously improve lifecycle operations by identifying opportunities to simplify journey orchestration, improve audience strategy, and increase team efficiency while maintaining a high standard of execution. Minimum Qualifications Bachelor's degree or equivalent practical experience. 10+ years of lifecycle marketing experience supporting B2C products. 3+ years of direct people management experience leading lifecycle marketing teams. 4+ years of hands-on experience building and optimizing customer journeys within an enterprise marketing automation platform. Experience owning performance-driven lifecycle marketing programs with measurable revenue goals, including forecasting and conversion funnel analysis. Preferred Qualifications Knowledge of lifecycle marketing strategies for complex customer journeys or high-consideration consumer products. Experience working in financial services or another highly regulated industry. Experience using customer data platforms to build and activate audience segments. Experience applying experimentation frameworks and AI-enabled marketing tools to improve lifecycle performance. Ability to influence cross-functional stakeholders, communicate strategy to technical and non-technical audiences, and develop high-performing teams. 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. #LI-REMOTE #LI-MidSenior 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 $169,400—$269,700 USD 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 Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs 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 (US Only) 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, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy