Senior Product Manager, Flex Pay

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people. About the Role: We're looking for a Senior Product Manager for our Flex Pay vertical. Flex Pay by Upgrade is a fast-growing Buy Now, Pay Later (BNPL) solution helping merchants drive conversion, increase average order value, and create seamless financing experiences for consumers. We partner with leading travel and, retail and e-commerce brands to deliver flexible payment solutions that support growth for both merchants and shoppers In this pivotal role, you'll own and drive key initiatives that will deepen Upgrade’s integration with merchants in order to enhance the partner and customer experience and drive growth. The role is perfect for those who are self-motivated and excel in an agile environment. You’ll be responsible for leading and collaborating with designers, engineers, marketers, and key partners to deliver impactful, measurable outcomes. This is a role in hybrid capacity based in our downtown San Francisco office, with onsite work on Tuesdays and Thursdays. What You’ll Do: • Lead product development for Upgrade's Flex Pay business by enhancing partner satisfaction and customer experience • Focus on expanding and deepening Flex Pay's integration with various merchant partners and intermediaries • Be responsible for executing complex initiatives from inception through to the ongoing optimization of established features and user experiences • Develop trusted internal and external partnerships, especially with Engineering and key third-party partners, to effectively utilize their input to inform product planning and execution • Independently drive and ideate on new roadmap items, showcasing creativity and innovation with a high level of trust from the management team What We Look For: • 5+ years of product management experience focused on delivering high-quality outcomes and user value • Expertise in product development ideally a combination of complex third party APIs, integration, web analytics, A/B testing, and SQL • A history of successful product delivery particularly in consumer-facing platforms and innovative fintech space. Experience in the travel industry is helpful but not required • Demonstrated ability to lead teams, ensuring alignment and effectively resolving conflicts across organizational stakeholders • Familiarity with AI coding and productivity tools such as Claude or Gemini. Experience using these tools to perform analysis, generate specifications, build prototypes, and conduct data analysis What We Offer You: • Competitive salary and stock option plan • Medical, dental and vision insurance with employer paid options • Flexible PTO • Competitive 401(k) and RRSP program • Opportunities for professional growth and development • Paid parental leave • Health & wellness initiatives The compensation range of this position in San Francisco, CA is USD $180,000 - $210,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience. #LI-Hybrid For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. Environmental & Working Conditions • Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations. • Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives. • The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need. • Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position. • Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings. • Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.