Upstart growth playbook

Make the homepage cards and "Learn more" controls real links, add HELOC and Cash Line to the footer product list, and add a "Have home equity? Compare a HELOC" block to the personal-loan and debt-consolidation pages, matching what the application already does. Then build a home equity calculator (home value, mortgage balance, CLTV limit, line amount, estimated draw payment, the 80% initial draw rule) that ends in "Check your rate", and link it from the six HELOC articles and the /learn/heloc/ hub (which also needs adding to the sitemap).

Organic and calculator traffic lowers blended CPA for a product whose secured segment is still at a negative contribution margin, and calculators are among the most-linked, most-cited pages in lending. The links are an engineering afternoon; the calculator a sprint.

[ ] Homepage HELOC card links to /heloc
[ ] "Learn more" controls are anchors, not buttons
[ ] Footer PRODUCTS lists HELOC and Cash Line
[ ] HELOC comparison block on /personal-loans and /debt-consolidation-loans
[ ] /learn/heloc/ in sitemap-blog.xml
[ ] Home equity calculator with CLTV, line and draw payment
[ ] Calculator linked from all six HELOC articles
[ ] Compliance sign-off on calculator copy

• Calculator implies an offer

  Label results as estimates and link to the rate check.

• Cannibalizing personal loans

  Show HELOC only to homeowners and measure combined funded volume.

• HiringSenior Manager, Performance Marketing, Emerging Products (remote US, posted September 10, 2026): a "zero-to-one role with the opportunity to build Upstart's Home Equity Line of Credit (HELOC) performance marketing engine from the ground up", owning SEM, paid social, display, "creative testing, and landing page optimization" with the HELOC General Manager, against "volume, CPA, and ROI targets".Source
• Your websiteHomepage HTML: the HELOC product card is a link with no address, and every "Learn more", "Check your rate" and "See if you qualify" control is a button, so the page passes no crawlable link to /heloc (or to Cash Line's product page). The site-wide footer "PRODUCTS" list names seven personal-loan pages and Short-Term Relief but not HELOC or Cash Line. /personal-loans and /debt-consolidation-loans do not link to /heloc; /home-improvement-loans does.Source
• Your websiteSitemaps (1,673 URLs): the core sitemap has one HELOC page among 26; four calculators (loan, payment, interest, inflation), none for home equity (/heloc-calculator returns 404); six HELOC articles in /learn, while the /learn/heloc/ hub they link to is not in the sitemap; 551 programmatic credit-score pages from /credit-score/300-credit-score upward.Source
• Your websiteHELOC page (checked October 21, 2026): "Borrow $26K-$250K", "rates as low as 6.52% APR" (footnote: only with credit union membership, FICO 780+, CLTV under 70% and DTI under 45%), "Close in as fast as 2 days" (footnote: "In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less"), a "Lowest HELOC rates, guaranteed" $200 gift card offer, and "If your personal loan application indicates home equity, we'll show you any qualifying HELOC offers". Reviews on the page "are sourced from an internal survey" and "Customer photos may be fictitious".Source
• News coverageQ2 2026 results (August 4, 2026): revenue $365 million (+42%), about $4.2 billion of originations and 558,014 loans (both +50%), net income $16.5 million; conversion rate 19.7% vs 21.0% a year earlier (Upstart will stop reporting it from Q1 2027); secured products (auto and home) at a -35% contribution margin, improved from -176%. Upstart offers personal loans, auto loans, HELOCs and Cash Line.Source

Keep the headline, and add the median closing and funding time in plain words next to it (and in the FAQ), updated each quarter. Test whether the honest range lowers or raises completed applications.

Setting expectations reduces abandonment mid-process and builds the trust a home-secured product needs.

• Lower click-through

  Measure completed closes, not clicks.

• Your websiteHELOC page (checked October 21, 2026): "Borrow $26K-$250K", "rates as low as 6.52% APR" (footnote: only with credit union membership, FICO 780+, CLTV under 70% and DTI under 45%), "Close in as fast as 2 days" (footnote: "In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less"), a "Lowest HELOC rates, guaranteed" $200 gift card offer, and "If your personal loan application indicates home equity, we'll show you any qualifying HELOC offers". Reviews on the page "are sourced from an internal survey" and "Customer photos may be fictitious".Source
• HiringSenior Manager, Performance Marketing, Emerging Products (remote US, posted September 10, 2026): a "zero-to-one role with the opportunity to build Upstart's Home Equity Line of Credit (HELOC) performance marketing engine from the ground up", owning SEM, paid social, display, "creative testing, and landing page optimization" with the HELOC General Manager, against "volume, CPA, and ROI targets".Source

Show verified third-party reviews for HELOC (or Upstart Home Lending) with dates and the platform name, and real photos or none. Produce two short videos with willing HELOC borrowers.

Verified proof converts better than anonymous quotes, especially on high-consideration products.

• Few HELOC reviews yet

  Ask funded borrowers for reviews after closing.

• Your websiteHELOC page (checked October 21, 2026): "Borrow $26K-$250K", "rates as low as 6.52% APR" (footnote: only with credit union membership, FICO 780+, CLTV under 70% and DTI under 45%), "Close in as fast as 2 days" (footnote: "In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less"), a "Lowest HELOC rates, guaranteed" $200 gift card offer, and "If your personal loan application indicates home equity, we'll show you any qualifying HELOC offers". Reviews on the page "are sourced from an internal survey" and "Customer photos may be fictitious".Source
• Your websiteHomepage: a top banner "Get $200 instantly with Cash Line - Download the iOS app to get started"; "Have a mail offer code?"; "We've helped more than 4 million customers"; "33% lower rates than a traditional model" (from Upstart's Annual Access to Credit results). The affiliates page says borrowers rate Upstart "Excellent" on Trustpilot "with over 45,000+ reviews" (as of April 1, 2024).Source
• HiringArt Director, Brand Social (posted September 15, 2026), in Growth's Brand & Creative team: "culturally relevant, platform-native art direction across organic social", tracking trends and "translating them into timely, on-brand creative".Source

Hold out a random share of the mailing list (and a few matched markets) in the next drop, compare funded loans, and use the result to calibrate the marketing mix model.

One clean holdout can move more budget than a year of attribution debates.

• Lost volume

  Keep holdouts small but powered.

• HiringPrincipal Data Scientist, Marketing Measurement (posted October 9, 2026): measures "direct mail, paid search and social, video, mobile, email, brand campaigns, and lending partnerships"; the question is "whether a dollar of spend buys a funded loan or takes credit for one that would have arrived anyway"; builds attribution "including channels where a borrower never clicks anything" and marketing mix models.Source
• Your websiteHomepage: a top banner "Get $200 instantly with Cash Line - Download the iOS app to get started"; "Have a mail offer code?"; "We've helped more than 4 million customers"; "33% lower rates than a traditional model" (from Upstart's Annual Access to Credit results). The affiliates page says borrowers rate Upstart "Excellent" on Trustpilot "with over 45,000+ reviews" (as of April 1, 2024).Source

Split comparable markets into on and off cells for four weeks, measure funded loans, and shift spend to the markets and audiences where social adds loans.

It turns paid social from a cost centre into a measured channel.

• Agency resistance

  Make incrementality the agency KPI.

• HiringSenior Manager, Performance Marketing, Paid Social (posted September 10, 2026): owns paid social and video for Personal Loans with a media agency; must "Drive geo-list targeting and geographic experimentation with our analytics team to identify incremental growth opportunities, improve channel economics, and bring paid social toward profitability".Source
• HiringPrincipal Data Scientist, Marketing Measurement (posted October 9, 2026): measures "direct mail, paid search and social, video, mobile, email, brand campaigns, and lending partnerships"; the question is "whether a dollar of spend buys a funded loan or takes credit for one that would have arrived anyway"; builds attribution "including channels where a borrower never clicks anything" and marketing mix models.Source

Show a clear options screen: the smaller loan, a HELOC if they own a home, Cash Line for ongoing needs, and what could change the offer later, with plain reasons. Test with segments separately.

Each recovered borrower is a funded loan from an existing applicant, without new marketing spend.

• Pushing secured debt

  Show HELOC only when it fits the need and equity.

• HiringPrincipal Product Manager, Growth (posted August 19, 2026): owns "the end-to-end credit conversion experience", "unifying Upstart's product portfolio into a cohesive, multi-product marketplace"; hardest problems include "helping users whose offer differs from what they requested understand their options"; "the next chapter is less about tuning individual screens and more about fundamentally rethinking how we engage users".Source
• Your websiteHELOC page (checked October 21, 2026): "Borrow $26K-$250K", "rates as low as 6.52% APR" (footnote: only with credit union membership, FICO 780+, CLTV under 70% and DTI under 45%), "Close in as fast as 2 days" (footnote: "In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less"), a "Lowest HELOC rates, guaranteed" $200 gift card offer, and "If your personal loan application indicates home equity, we'll show you any qualifying HELOC offers". Reviews on the page "are sourced from an internal survey" and "Customer photos may be fictitious".Source
• News coverageQ2 2026 results (August 4, 2026): revenue $365 million (+42%), about $4.2 billion of originations and 558,014 loans (both +50%), net income $16.5 million; conversion rate 19.7% vs 21.0% a year earlier (Upstart will stop reporting it from Q1 2027); secured products (auto and home) at a -35% contribution margin, improved from -176%. Upstart offers personal loans, auto loans, HELOCs and Cash Line.Source

Build journeys triggered by life-cycle moments (loan paid off, on-time payment streaks, homeowner signals) offering the relevant product with clear terms, with frequency caps and compliance review.

Existing customers are cheaper to serve and better understood by the model.

• Over-messaging

  Use shared frequency caps.

• HiringDirector of Lifecycle Marketing (posted September 10, 2026): owns lifecycle "for every Upstart product" across "email, push, SMS, in-app messaging", with "revenue and performance goals", helping customers "discover, adopt, and deepen their relationship with Upstart"; Iterable and "regulated, or high-consideration customer journeys" experience preferred.Source
• Your websiteHomepage: a top banner "Get $200 instantly with Cash Line - Download the iOS app to get started"; "Have a mail offer code?"; "We've helped more than 4 million customers"; "33% lower rates than a traditional model" (from Upstart's Annual Access to Credit results). The affiliates page says borrowers rate Upstart "Excellent" on Trustpilot "with over 45,000+ reviews" (as of April 1, 2024).Source
• News coverageQ2 2026 results (August 4, 2026): revenue $365 million (+42%), about $4.2 billion of originations and 558,014 loans (both +50%), net income $16.5 million; conversion rate 19.7% vs 21.0% a year earlier (Upstart will stop reporting it from Q1 2027); secured products (auto and home) at a -35% contribution margin, improved from -176%. Upstart offers personal loans, auto loans, HELOCs and Cash Line.Source

Keep a small random holdout for every journey, report incremental funded loans monthly, and retire journeys with no lift.

Proven lift protects budget and focuses the team.

• Short-term volume dips

  Keep holdouts small.

• HiringDirector of Lifecycle Marketing (posted September 10, 2026): owns lifecycle "for every Upstart product" across "email, push, SMS, in-app messaging", with "revenue and performance goals", helping customers "discover, adopt, and deepen their relationship with Upstart"; Iterable and "regulated, or high-consideration customer journeys" experience preferred.Source
• HiringPrincipal Data Scientist, Marketing Measurement (posted October 9, 2026): measures "direct mail, paid search and social, video, mobile, email, brand campaigns, and lending partnerships"; the question is "whether a dollar of spend buys a funded loan or takes credit for one that would have arrived anyway"; builds attribution "including channels where a borrower never clicks anything" and marketing mix models.Source

Build modular landing pages for the top use cases (home improvement, debt consolidation, large expenses) with matching examples and calculators, and test against /heloc.

Message match raises conversion and Quality Score, lowering CPA.

• Duplicate content

  Keep test pages noindexed.

• HiringSenior Manager, Performance Marketing, Emerging Products (remote US, posted September 10, 2026): a "zero-to-one role with the opportunity to build Upstart's Home Equity Line of Credit (HELOC) performance marketing engine from the ground up", owning SEM, paid social, display, "creative testing, and landing page optimization" with the HELOC General Manager, against "volume, CPA, and ROI targets".Source
• Your websiteHELOC page (checked October 21, 2026): "Borrow $26K-$250K", "rates as low as 6.52% APR" (footnote: only with credit union membership, FICO 780+, CLTV under 70% and DTI under 45%), "Close in as fast as 2 days" (footnote: "In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less"), a "Lowest HELOC rates, guaranteed" $200 gift card offer, and "If your personal loan application indicates home equity, we'll show you any qualifying HELOC offers". Reviews on the page "are sourced from an internal survey" and "Customer photos may be fictitious".Source

Add a module to each score band: typical products and terms available, how Upstart looks beyond the score, steps to improve, and a soft-check rate CTA. Measure rate checks by band.

Programmatic pages already rank; adding a next step turns readers into applicants.

• Implying approval

  Use typical ranges and disclosures.

• Your websiteSitemaps (1,673 URLs): the core sitemap has one HELOC page among 26; four calculators (loan, payment, interest, inflation), none for home equity (/heloc-calculator returns 404); six HELOC articles in /learn, while the /learn/heloc/ hub they link to is not in the sitemap; 551 programmatic credit-score pages from /credit-score/300-credit-score upward.Source
• Your websiteHomepage: a top banner "Get $200 instantly with Cash Line - Download the iOS app to get started"; "Have a mail offer code?"; "We've helped more than 4 million customers"; "33% lower rates than a traditional model" (from Upstart's Annual Access to Credit results). The affiliates page says borrowers rate Upstart "Excellent" on Trustpilot "with over 45,000+ reviews" (as of April 1, 2024).Source
• HiringPrincipal Product Manager, Growth (posted August 19, 2026): owns "the end-to-end credit conversion experience", "unifying Upstart's product portfolio into a cohesive, multi-product marketplace"; hardest problems include "helping users whose offer differs from what they requested understand their options"; "the next chapter is less about tuning individual screens and more about fundamentally rethinking how we engage users".Source

Replace the auto refinance entry with HELOC and Cash Line, align the WordPress and main-site menus, and redirect old auto refinance articles' calls to action to the current products.

Every visit to a dead product page is a wasted click and a confused borrower.

• Breaking partner links

  Keep the notice page live.

• Your websiteThe navigation on Upstart's WordPress sections (news, dealers, lenders) still shows "Car Loan Refinance - Refinance your car", which redirects to a page saying "This product is no longer available through Upstart"; that menu has no Cash Line entry. The main site's footer lists neither HELOC nor Cash Line.Source
• Your websiteHomepage HTML: the HELOC product card is a link with no address, and every "Learn more", "Check your rate" and "See if you qualify" control is a button, so the page passes no crawlable link to /heloc (or to Cash Line's product page). The site-wide footer "PRODUCTS" list names seven personal-loan pages and Short-Term Relief but not HELOC or Cash Line. /personal-loans and /debt-consolidation-loans do not link to /heloc; /home-improvement-loans does.Source

Create a weekly short-form series busting credit myths, each linking to a calculator, credit-score page or learn article, and test formats monthly.

Useful, recurring content builds brand memory and lowers paid CPMs over time.

• Financial advice concerns

  Keep content educational.

• HiringArt Director, Brand Social (posted September 15, 2026), in Growth's Brand & Creative team: "culturally relevant, platform-native art direction across organic social", tracking trends and "translating them into timely, on-brand creative".Source
• Your websiteSitemaps (1,673 URLs): the core sitemap has one HELOC page among 26; four calculators (loan, payment, interest, inflation), none for home equity (/heloc-calculator returns 404); six HELOC articles in /learn, while the /learn/heloc/ hub they link to is not in the sitemap; 551 programmatic credit-score pages from /credit-score/300-credit-score upward.Source
• Your websiteHomepage: a top banner "Get $200 instantly with Cash Line - Download the iOS app to get started"; "Have a mail offer code?"; "We've helped more than 4 million customers"; "33% lower rates than a traditional model" (from Upstart's Annual Access to Credit results). The affiliates page says borrowers rate Upstart "Excellent" on Trustpilot "with over 45,000+ reviews" (as of April 1, 2024).Source

Agree a shared metric set (funded loans, contribution profit per applicant, early performance), guardrails and a test registry, and require it for every growth and marketing test.

Shared metrics stop wins that do not fund loans.

• Slower tests

  Allow proxy metrics with known correlation.

• HiringPlatform product roles: a Principal Product Manager, Experimentation Platform (posted August 26, 2026) to "establish a center of excellence for experimentation" and "reduce fragmentation"; and a Principal Product Manager, Communications Platform (open since July 2026) for "a greenfield initiative to establish the shared communications foundation for the company" with "compliance guardrails".Source
• HiringPrincipal Product Manager, Growth (posted August 19, 2026): owns "the end-to-end credit conversion experience", "unifying Upstart's product portfolio into a cohesive, multi-product marketplace"; hardest problems include "helping users whose offer differs from what they requested understand their options"; "the next chapter is less about tuning individual screens and more about fundamentally rethinking how we engage users".Source
• HiringPrincipal Data Scientist, Marketing Measurement (posted October 9, 2026): measures "direct mail, paid search and social, video, mobile, email, brand campaigns, and lending partnerships"; the question is "whether a dollar of spend buys a funded loan or takes credit for one that would have arrived anyway"; builds attribution "including channels where a borrower never clicks anything" and marketing mix models.Source

Put consent, channel preferences and frequency caps in one service used by lifecycle, servicing and product teams, with an audit log.

Fewer, better messages improve engagement and compliance.

• Migration effort

  Start with marketing messages.

• HiringPlatform product roles: a Principal Product Manager, Experimentation Platform (posted August 26, 2026) to "establish a center of excellence for experimentation" and "reduce fragmentation"; and a Principal Product Manager, Communications Platform (open since July 2026) for "a greenfield initiative to establish the shared communications foundation for the company" with "compliance guardrails".Source
• HiringDirector of Lifecycle Marketing (posted September 10, 2026): owns lifecycle "for every Upstart product" across "email, push, SMS, in-app messaging", with "revenue and performance goals", helping customers "discover, adopt, and deepen their relationship with Upstart"; Iterable and "regulated, or high-consideration customer journeys" experience preferred.Source

Record a new quarterly webinar, add case studies from independent and Southeast dealers, and give the new manager an onboarding kit.

Fresh, local proof helps new dealers say yes.

• Dealer time

  Keep interviews short.

• HiringSenior Dealer Relationship Manager, Southeast (posted October 16, 2026): grow the Upstart Auto Finance program with dealers in GA, TN, AL and MS, "Lead hands-on onboarding and deliver engaging training sessions for new dealer partners".Source
• Your websiteDealer section: case studies are "AI Financing Spotlight" interviews, most with Honda and Toyota dealers; of the listed webinars, one is from 2025 and the rest from 2022.Source

Show Android visitors a web sign-up or a waitlist with notification, and measure how many there are.

It captures demand that the banner currently turns away.

• Waitlist disappointment

  Give a realistic timeline.

• Your websiteHomepage: a top banner "Get $200 instantly with Cash Line - Download the iOS app to get started"; "Have a mail offer code?"; "We've helped more than 4 million customers"; "33% lower rates than a traditional model" (from Upstart's Annual Access to Credit results). The affiliates page says borrowers rate Upstart "Excellent" on Trustpilot "with over 45,000+ reviews" (as of April 1, 2024).Source

Publish a short monthly release with a chart, quotes and an embeddable widget, pitch it to financial press, and make it easy for AI assistants and journalists to cite.

Original data earns links, citations and brand trust with lenders and borrowers.

• Misinterpretation

  Explain the method clearly.

• Your websiteUpstart Macro Index page: a monthly index (1.49 on October 5, 2026) estimating "the impact of the macroeconomy on credit losses for Upstart-powered loans", with a CSV download behind a terms checkbox; the site also has an "AI Certification" page and a "What the AI" podcast.Source
• News coverageQ2 2026 results (August 4, 2026): revenue $365 million (+42%), about $4.2 billion of originations and 558,014 loans (both +50%), net income $16.5 million; conversion rate 19.7% vs 21.0% a year earlier (Upstart will stop reporting it from Q1 2027); secured products (auto and home) at a -35% contribution margin, improved from -176%. Upstart offers personal loans, auto loans, HELOCs and Cash Line.Source

Offer partner credit unions ready-made HELOC campaigns (email, landing pages, calculators) under their brand, measured with shared reporting.

It grows HELOC volume through trusted local brands and deepens partnerships.

• Brand conflicts

  Partner approval on every asset.

• Your websiteHELOC page (checked October 21, 2026): "Borrow $26K-$250K", "rates as low as 6.52% APR" (footnote: only with credit union membership, FICO 780+, CLTV under 70% and DTI under 45%), "Close in as fast as 2 days" (footnote: "In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less"), a "Lowest HELOC rates, guaranteed" $200 gift card offer, and "If your personal loan application indicates home equity, we'll show you any qualifying HELOC offers". Reviews on the page "are sourced from an internal survey" and "Customer photos may be fictitious".Source
• HiringSenior Manager, Performance Marketing, Emerging Products (remote US, posted September 10, 2026): a "zero-to-one role with the opportunity to build Upstart's Home Equity Line of Credit (HELOC) performance marketing engine from the ground up", owning SEM, paid social, display, "creative testing, and landing page optimization" with the HELOC General Manager, against "volume, CPA, and ROI targets".Source
• News coverageQ2 2026 results (August 4, 2026): revenue $365 million (+42%), about $4.2 billion of originations and 558,014 loans (both +50%), net income $16.5 million; conversion rate 19.7% vs 21.0% a year earlier (Upstart will stop reporting it from Q1 2027); secured products (auto and home) at a -35% contribution margin, improved from -176%. Upstart offers personal loans, auto loans, HELOCs and Cash Line.Source

Build a short guided flow (need, amount, timeline, homeownership) that recommends personal loan, HELOC, Cash Line or relief, with plain explanations, then a single rate check.

Matching borrowers to the right product raises approval and satisfaction.

• Steering concerns

  Explain why each option is shown.

• HiringPrincipal Product Manager, Growth (posted August 19, 2026): owns "the end-to-end credit conversion experience", "unifying Upstart's product portfolio into a cohesive, multi-product marketplace"; hardest problems include "helping users whose offer differs from what they requested understand their options"; "the next chapter is less about tuning individual screens and more about fundamentally rethinking how we engage users".Source
• News coverageQ2 2026 results (August 4, 2026): revenue $365 million (+42%), about $4.2 billion of originations and 558,014 loans (both +50%), net income $16.5 million; conversion rate 19.7% vs 21.0% a year earlier (Upstart will stop reporting it from Q1 2027); secured products (auto and home) at a -35% contribution margin, improved from -176%. Upstart offers personal loans, auto loans, HELOCs and Cash Line.Source
• Your websiteHELOC page (checked October 21, 2026): "Borrow $26K-$250K", "rates as low as 6.52% APR" (footnote: only with credit union membership, FICO 780+, CLTV under 70% and DTI under 45%), "Close in as fast as 2 days" (footnote: "In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less"), a "Lowest HELOC rates, guaranteed" $200 gift card offer, and "If your personal loan application indicates home equity, we'll show you any qualifying HELOC offers". Reviews on the page "are sourced from an internal survey" and "Customer photos may be fictitious".Source

Publish the results as an interactive page by state and borrower group, with the method, and pitch local press in each state.

Local data earns local coverage and proof for the main claim.

• Data sensitivity

  Aggregate small groups.

• Your websiteHomepage: a top banner "Get $200 instantly with Cash Line - Download the iOS app to get started"; "Have a mail offer code?"; "We've helped more than 4 million customers"; "33% lower rates than a traditional model" (from Upstart's Annual Access to Credit results). The affiliates page says borrowers rate Upstart "Excellent" on Trustpilot "with over 45,000+ reviews" (as of April 1, 2024).Source
• Your websiteUpstart Macro Index page: a monthly index (1.49 on October 5, 2026) estimating "the impact of the macroeconomy on credit losses for Upstart-powered loans", with a CSV download behind a terms checkbox; the site also has an "AI Certification" page and a "What the AI" podcast.Source

Clip two moments per episode for short-form social with captions, linking to AI certification and lending pages.

It reuses content to support the AI-first positioning.

• Niche topic

  Choose borrower-relevant moments.

• Your websiteUpstart Macro Index page: a monthly index (1.49 on October 5, 2026) estimating "the impact of the macroeconomy on credit losses for Upstart-powered loans", with a CSV download behind a terms checkbox; the site also has an "AI Certification" page and a "What the AI" podcast.Source
• HiringArt Director, Brand Social (posted September 15, 2026), in Growth's Brand & Creative team: "culturally relevant, platform-native art direction across organic social", tracking trends and "translating them into timely, on-brand creative".Source

Recruit contractors and home-improvement platforms as referral partners with a co-branded calculator link and compliant materials.

It reaches high-intent homeowners at low cost.

• Referral rules

  Get legal review before paying any partner.

• Your websiteHELOC page (checked October 21, 2026): "Borrow $26K-$250K", "rates as low as 6.52% APR" (footnote: only with credit union membership, FICO 780+, CLTV under 70% and DTI under 45%), "Close in as fast as 2 days" (footnote: "In Q2 2026, 15% of funded HELOCs achieved a closing timeline of 2 days or less"), a "Lowest HELOC rates, guaranteed" $200 gift card offer, and "If your personal loan application indicates home equity, we'll show you any qualifying HELOC offers". Reviews on the page "are sourced from an internal survey" and "Customer photos may be fictitious".Source
• Your websiteHomepage: a top banner "Get $200 instantly with Cash Line - Download the iOS app to get started"; "Have a mail offer code?"; "We've helped more than 4 million customers"; "33% lower rates than a traditional model" (from Upstart's Annual Access to Credit results). The affiliates page says borrowers rate Upstart "Excellent" on Trustpilot "with over 45,000+ reviews" (as of April 1, 2024).Source
• HiringSenior Manager, Performance Marketing, Emerging Products (remote US, posted September 10, 2026): a "zero-to-one role with the opportunity to build Upstart's Home Equity Line of Credit (HELOC) performance marketing engine from the ground up", owning SEM, paid social, display, "creative testing, and landing page optimization" with the HELOC General Manager, against "volume, CPA, and ROI targets".Source