About the Role:

Personal Loans are a cornerstone of Upgrade’s mission and we’re looking for a Senior Product Designer to join our team. With over 2.4 million loans originated and the U.S. personal loan market now topping $245B (and growing), this is a high-impact space where thoughtful design directly shapes financial health outcomes for millions of people. Our Personal Loans have been recognized as:

• “Best Debt Consolidation Loan” by Motley Fool

• NerdWallet Best-of Awards: 3X Winner

As a Senior Product Designer, you’ll play a central role in how we present loan offers to customers and help them start the application process. You’ll work on projects like offer optimization, funnel conversion, return user flows, and new product features—including our recently launched homeowner discount program, which allows customers to leverage their home built-ins for a lower rate.

This role is perfect for someone who thrives on ownership, cross-functional collaboration, and designing high-interaction, customer-facing experiences at scale.

Please note that this role is based in San Francisco and you’ll be coming into the office on Tuesdays and Thursdays as well as for company events. We will not convert this role to remote in the future.

What You'll Do:

• Lead UX design for how we present loan offers to customers and help them start the application process, which includes the application funnel, offer flows, and return user journeys.
• Recommend design improvements that will improve customer experiences, increase conversion rates and lead to higher personal loan issuance dollars. 
• Iterate quickly to contribute to our culture of a/b testing to find winning designs.
• Partner with product, marketing, and engineering to shape concepts into flows, prototypes, and polished user experiences that ship frequently. 
• Stay current on trends and the latest innovation in the personal loans space from a business and design perspective
• Collaborate on new features that push the category forward, like our homeowner discount program and refinance.
• User research and data insights to validate design decisions and deliver measurable outcomes.
• Contribute to and maintain the Upgrade Design System, ensuring consistency, quality, and efficiency across products.
• Help shape internal design processes and foster a strong, collaborative team culture.

What We Look For:

• 4+ years of professional experience in Product Design, collaborating cross-functionally with Product, Marketing, and Engineering teams.
• 2+ years of experience optimizing user funnels, guiding customers to select the product or offer that best fits their needs.
• Strong user-first mindset, with the ability to balance customer needs against business objectives.
• Comfortable operating at multiple levels—from shaping strategic direction and evolving the overall experience to executing detailed production work, including navigating legal and compliance reviews.
• Ability to translate user research, user needs, and product data into informed design solutions.
• Strong communication skills—you can explain design rationale and influence stakeholders.
• Strong interaction design skills with a portfolio that demonstrates impact.
• Detail-oriented, organized, and comfortable working in a fast-paced, hybrid environment.
• Bonus: Experience with personal finance, banking, or lending products.

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Paid parental leave
• Health and wellness initiatives
• Opportunities for professional growth and development

The compensation range of this position in San Francisco, CA is USD $140,000 - $160,000 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.