Senior Performance Marketing Manager, Direct Mail and Offline Growth,

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.

The Team

Upstart’s Growth team is focused on expanding access to affordable credit for millions of Americans. The team combines marketing, data, and technology to scale customer acquisition in efficient and measurable ways. Direct Mail is a core channel within Growth and plays a critical role in reaching new borrowers and driving business performance.

As the Senior Performance Marketing Manager, Direct Mail and Offline Growth, you will own one of Upstart’s most impactful acquisition channels end-to-end, with a primary focus on our Home Equity Line of Credit (HELOC) product. This is one of the company’s fastest-growing and most strategically important offerings. You will define channel strategy, optimize targeting and creative, and lead execution to drive efficient, incremental growth. This role offers significant ownership, including P&L responsibility, and the opportunity to solve complex, high-impact problems in partnership with cross-functional teams.

How you’ll make an impact

• Own end-to-end Direct Mail strategy and execution for HELOC, including audience targeting, creative development, testing, and campaign operations
• Build our broader offline growth channels (OOH, linear TV, and brand testing)
• Manage and optimize millions in annual spend, with accountability for ROI and incremental business impact
• Partner with Machine Learning and Data Science teams to develop and refine targeting models that improve customer acquisition efficiency
• Design and execute rigorous testing frameworks (e.g., incrementality, geo-lift, A/B testing) to evaluate performance and inform strategy
• Analyze campaign and customer data to generate insights and translate findings into actionable growth opportunities
• Develop new playbooks to reach and convert underserved or underperforming customer segments, including emerging HELOC use cases
• Collaborate cross-functionally with Product, Engineering, Analytics, and Creative to scale channel performance and influence roadmap decisions
• Communicate strategy, performance, and insights to leadership, connecting channel outcomes to broader business goals