Lifecycle Marketing Manager

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 3,000 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 is responsible for creating personalized customer experiences that help borrowers take the next step in their financial journey. The team combines marketing strategy, experimentation, analytics, and technology to build programs that drive measurable business outcomes across the customer lifecycle.

As the Lifecycle Marketing Manager, Core Products, you will own the strategy and performance of lifecycle marketing programs for prior Personal Loan applicants. You'll develop and optimize multi-channel customer journeys that increase engagement and funded loans while partnering closely with Product, Engineering, Analytics, Creative, and Product Marketing to deliver scalable, data-driven growth.

How you’ll make an impact

• Own the strategy, roadmap, and performance of lifecycle marketing programs targeting prior Personal Loan applicants across email, SMS, push notifications, and ringless voicemail.

• Design, prioritize, launch, and optimize lifecycle journeys that increase applicant re-engagement, loan funding, and revenue.

• Analyze campaign and funnel performance to identify opportunities, forecast business impact, and recommend strategic optimizations.

• Partner cross-functionally with Product, Engineering, Analytics, Creative, and Product Marketing to define requirements and execute high-impact lifecycle initiatives.

• Develop and test audience segmentation, channel mix, messaging, frequency, and AI-powered decisioning strategies to improve customer engagement and business performance.

• Build and maintain scalable lifecycle campaigns within Iterable while ensuring high-quality execution and healthy channel performance.

Minimum Qualifications

• Bachelor's degree or equivalent practical experience.

• 4+ years of B2C lifecycle marketing experience managing performance-driven customer lifecycle programs.

• 3+ years of hands-on experience building and managing campaigns in an enterprise marketing automation platform such as Iterable, Braze, Salesforce Marketing Cloud, or Adobe Campaign.

• Experience using analytics or business intelligence tools to measure campaign performance, analyze conversion funnels, and develop forecasts.

• Experience partnering with cross-functional stakeholders to translate business requirements into lifecycle marketing programs.

Preferred Qualifications

• Knowledge of lifecycle marketing strategies within financial services or another highly regulated industry.

• Experience using customer data platforms such as Hightouch to build and activate audiences.

• Experience incorporating AI-powered decisioning or personalization into lifecycle marketing programs.

• Ability to develop experimentation strategies across audience segmentation, messaging, channel mix, and campaign frequency.

• Skills in leveraging generative AI tools to accelerate campaign planning, quality assurance, analysis, and content development while applying appropriate human oversight.

Position location This role is available in the following locations: Remote [A specific city/location is not required if the role does not have an in-person requirement]

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-Associate

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

$109,000—$151,800 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