Senior Performance Marketing Manager, Direct Mail and Offline Growth,

About the Role

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

Minimum Qualifications

• Bachelor's degree or equivalent practical experience
• 5+ years of experience in performance marketing, growth marketing, or analytics-driven marketing roles
• Experience owning and executing end-to-end marketing campaigns, including strategy, testing, and performance analysis
• Experience managing marketing budgets and optimizing for measurable ROI or P&L outcomes
• Experience designing and analyzing controlled experiments (e.g., A/B testing, incrementality testing, or similar methodologies)

Preferred Qualifications

• Experience with Direct Mail marketing strategy, execution, or channel ownership
• Experience working across multiple marketing channels (e.g., digital, offline, lifecycle)
• Knowledge of measurement frameworks such as incrementality testing, geo-lift, or attribution modeling
• Experience working in regulated industries such as financial services, insurance, or healthcare
• Skills in SQL, Looker, or similar tools to analyze and interpret large datasets

Location & Work Environment

This role is available remotely. The team operates on East/West coast time zones. As a digital-first company, most work can be accomplished remotely, with in-person collaboration encouraged through regular onsites. Most teams meet once or twice per quarter for 2-4 consecutive days at a time.

Compensation & Benefits

The anticipated base salary range for this position is $138,000 - $192,000 USD, depending on geographic location and individual qualifications. In addition, Upstart provides target bonuses, equity compensation, and comprehensive benefits including:

• Competitive compensation with base pay, bonus opportunities, and annual equity grants that vest quarterly
• 401(k) or Group Retirement Savings Plan with company match of $2 for every $1 contributed, up to $15,000 annually
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options (US only)
• Comprehensive health coverage including medical, dental, vision, and wellness resources for US; supplemental health coverage for Canada
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Life insurance and disability coverage
• Paid time off, sick leave, and company holidays
• Paid family and parental leave
• Family-centered benefits for fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) with mental health support
• Financial wellness resources including financial planning tools and concierge service (US only)
• Annual wellness allowance for physical, emotional, and personal development
• Annual productivity allowance for work-related tools and resources
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite perks including catered lunches and stocked micro-kitchens at offices in Bay Area, Austin, Columbus, and New York City (opening Summer 2026)