[Remote] Senior Product Designer, Payments

Note: The job is a remote job and is open to candidates in USA. Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Senior Product Designer will lead the design of AI-powered payment experiences, ensuring intuitive user interactions and collaborating with product managers and engineers to enhance borrower financial health.ResponsibilitiesDesign end-to-end payment experiences across web interfaces and conversational AI agents, ensuring consistency and clarity across interaction modesTranslate complex payment workflows (e.g., ACH, debit, failed payments) into intuitive user experiences that handle edge cases and error states effectivelyDefine and evolve interaction patterns for conversational interfaces, including dialogue flows, fallback behaviors, and multi-step task completionPartner closely with product managers and engineers to shape product direction, scope solutions, and deliver high-impact user outcomesUse data and experimentation (e.g., A/B testing, user behavior insights) to iterate on designs and improve key metrics such as payment success and engagementContribute to and extend design systems by establishing reusable patterns for AI-native and conversational experiencesSkillsBachelor's degree in Design, Human-Computer Interaction, Computer Science, or a related field (or equivalent practical experience)5+ years of product design experience delivering end-to-end user experiences for digital productsExperience designing conversational, chat-based, or AI-assisted user interfacesExperience designing complex workflows with branching logic, edge cases, and error handlingProficiency with Figma and prototyping tools for interactive or conversational flowsExperience designing LLM-powered interfaces such as chatbots, AI agents, or copilotsExperience designing transactional or financial workflows such as payments, checkout, or lendingFamiliarity with fintech or regulated consumer productsAbility to define new interaction patterns in emerging product spacesExperience working with design systems and contributing reusable components or frameworksBenefitsTarget bonusesEquity compensationGenerous benefits packages (including medical, dental, vision, and 401k)Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterlyRetirement 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 securityPaid time off, sick leave, and company holidays, in line with local requirementsPaid family and parental leave to support caregiving and major life moments (duration varies by country)Family-centered benefits to support fertility, parenthood, and caregiving needsEmployee Assistance Program (EAP) offering mental health support and life-centered resourcesFinancial 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 youAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work fromConnection 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!)Company OverviewUpstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.