Senior Lifecycle Manager, Emerging Markets (contract)

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-informed customer acquisition and engagement across our lending products. The team focuses on connecting consumers to credit through thoughtful, well-timed interactions across channels.

As the Senior Lifecycle Marketing Manager (Emerging Products) at Upstart, you will own and scale lifecycle marketing for new and growing products, including Cash Line, Upstart’s new, always-on line of credit product. You will design and optimize end-to-end customer journeys—from cross-sell and activation through retention, re-engagement, and winback—within a mobile-first experience. You may also be called on to support additional emerging products as they launch and scale.

 

How you’ll make an impact

• Own lifecycle strategy and execution across the full customer journey, including cross-sell, activation, retention, re-engagement, and churn winback
• Drive growth for Cash Line through mobile-first lifecycle programs, leveraging push notifications, in-app messaging, email, and SMS
• Design and optimize multi-channel journeys that improve key metrics such as conversion, engagement, retention, and revenue
• Define detailed campaign requirements, including audience segmentation, trigger logic, and channel orchestration, in partnership with Product and Engineering
• Build and execute a hypothesis-driven experimentation roadmap across lifecycle stages, and translate results into actionable insights
• Analyze performance across campaigns and lifecycle stages, and communicate results through regular reporting (weekly, monthly, quarterly) with clear insights and next-step recommendations
• Partner cross-functionally with Product, Analytics, Engineering, and Creative to improve the end-to-end customer experience
• Develop and maintain reporting frameworks and dashboards to measure lifecycle performance and inform prioritization
• Support lifecycle strategy and execution for additional emerging products as they are introduced

 

Minimum Qualifications 

• Bachelor’s degree in Marketing, Business, Analytics, or a related field (or equivalent practical experience)
• 4+ years of experience in lifecycle marketing, CRM, or retention marketing roles
• Hands-on experience building and executing lifecycle campaigns using a marketing automation platform (e.g., Iterable, Braze, Salesforce Marketing Cloud)
• Experience designing and analyzing A/B or multivariate tests, including defining success metrics and interpreting results
• Proficiency in data analysis using spreadsheet tools (e.g., Excel or Google Sheets) and familiarity with BI tools (e.g., Looker, Model

Preferred Qualifications

• Experience managing lifecycle marketing across multiple stages of the customer journey (e.g., acquisition, activation, retention, winback)
• Experience designing lifecycle strategies for mobile app experiences, including push notifications and in-app messaging
• Knowledge of customer data platforms (CDPs) and event-driven marketing systems, we use Hightouch
• Ability to translate complex datasets into clear insights that inform marketing strategy
• Experience working cross-functionally with Product, Engineering, and Creative teams on campaign execution

 

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones. 

 

This opportunity is a contractor role and is not eligible for Upstart’s employee compensation, equity, bonus, or benefits offerings.

 

#LI-REMOTE

#LI-MidSenior 

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). 

United States | Remote - Anticipated Hourly Rate Range$66—$90 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
• 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 candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy