Top Talent like Oliver are on Pangea

Pangea, a YC company, connects companies with fractional talent. Fractional hiring allows companies to move faster and work with more specialized talent, while giving talent more flexibility and independence. If you are talent open to fractional work, apply here. If you’re a company looking for high-quality fractional talent, learn more here.

Oliver Liu

Product Manager
San Diego, CA, US
Product Strategy
Software Development
Product Management
Available for hire fromNegotiable
Contracts
Principal Product Manager at Upstart | Product Leader in AI Lending Platforms and Fintech
Director of Product at Route with over 10 years of experience leading product teams. Previously at Affirm, Returnly, AppDirect, Deloitte Digital, and KPMG, with expertise in B2B2C checkout experiences, payments, fraud and risk, trust and safety, and machine learning-driven recommendations, underwriting, and capital optimization.

Projects

Returns

● Self-Serve Returns Platform (PLG) → Launched no-code, brand-customizable returns editor on Shopify, cutting onboarding time by 70%, enabled 100% inbound merchant installs ● Product Recommendations (Checkout Optimization) → Led machine learning personalization and segmentation models, increasing CTR by 150% and AOV by 20% ● Capital Lending Platform (B2B Credit) → Built ML-driven underwriting platform for merchant capital lending; cut credit decision time from days to minutes (patent pending)See More

Work History

U

Principal Product Manager

UpstartUpstart (NASDAQ: UPST) is a leading AI lending platform, helping over 100 banks and credit unions approve more borrowers at lower rates with a modern, digital-first experience. More than 90% of Upstart loans are fully automated with no human intervention.
R

Director of Product

RouteOct 2023 - Aug 2025 • 1 yr 11 mosLead a team of PMs ($100M+ revenue product lines) responsible for B2B2C Checkout Experiences, Payments, Fraud, Trust and Safety. Checkout A/B testing optimizations for 15,000+ merchants, platform services and payment billing systems. Machine Learning personalized recommendations, capital underwriting, and loans.
A

Staff Product Manager

AffirmMay 2021 - Oct 2023 • 2 yrs 6 mosLead Product Manager at Affirm, managing a team of 3 PMs focusing on Consumer Return and Exchange Experience (B2B2C), Revenue Growth Strategies for Merchants (B2B), and Machine Learning Recommendations, Capital, Risk, and Underwriting (Data Science).
R

Group Product Manager (Acquired by Affirm)

ReturnlyJan 2020 - May 2021 • 1 yr 5 mosJoined the Series B Startup with 50 employees and scaled the team to 200 employees through acquisition by Affirm. Developed proprietary consumer behavioral credit underwriting capabilities.
A

Senior Product Manager, eCommerce

AppDirectJul 2018 - Dec 2019 • 1 yr 6 mosProduct Manager for AppDirect’s flagship product, AppMarket. Managed a 3-sided marketplace and led 3 local and global scrum teams.
A

Product Manager

AppDirectAug 2016 - Jul 2018 • 2 yrs
D

Product Manager (Consultant)

Deloitte DigitalAug 2015 - Aug 2016 • 1 yr 1 moBuilt Washington’s first Health Insurance Exchange, serving 2M+ users annually.
D

Business Technology Analyst

Deloitte DigitalSep 2013 - Aug 2015 • 2 yrs
K

Risk Consulting Intern

KPMGJun 2012 - Aug 2012 • 3 mosRecovered revenue from contract financial misreporting and licensing for Clients (IBM, Seagate).
A

Board of Directors

Associated Students, Inc.-Cal Poly San Luis ObispoSep 2011 - Jun 2012 • 10 mosCampaigned and won a university-wide election. Represented over 2200 students in the College of Business managing a $12 million student fund.

Education

C

California Polytechnic State University-San Luis Obispo

Bachelor of Science (BS), Business Information Systems2009 - 2013
U

University of Potsdam

2012
S

Saratoga High School

How Pangea Works

Effortlessly discover top talent

We've distilled the candidate search from endless hours down to just a few minutes. Using Pangea's AI-powered search tools, you can find top fractional talent able to take on your next project. Our system looks at your company's niche and your needs to find the perfect match faster than any traditional hiring platform.

Start working with talent today

The top talent on Pangea is ready to get started with you right now. You can message or hire a candidate right from their profile page and start assigning work as soon as they respond. And the best part? Pangea's fractional contract structure lets you start small and ramp up as your needs change, keeping your costs manageable and your team's capabliities flexible.

Track work and invoices in one place

Assign tasks, track progress, and complete invoices all on Pangea. We've combined every part of the hiring process into one platform to eliminate the miscommunication that's unavoidable on other freelance platforms. We even send out 1099s to your contractors at the end of the year!

Talk with a Talent Expert

Members of our team are available to help you speed through the hiring process.
Available Now
Book a Call
Principal Product Manager at Upstart | Product Leader in AI Lending Platforms and Fintech
Director of Product at Route with over 10 years of experience leading product teams. Previously at Affirm, Returnly, AppDirect, Deloitte Digital, and KPMG, with expertise in B2B2C checkout experiences, payments, fraud and risk, trust and safety, and machine learning-driven recommendations, underwriting, and capital optimization.

Talk with a Talent Expert

Members of our team are available to help you speed through the hiring process.
Available Now
Book a Call

Top Talent like Oliver are on Pangea

Pangea, a YC company, connects companies with fractional talent. Fractional hiring allows companies to move faster and work with more specialized talent, while giving talent more flexibility and independence. If you are talent open to fractional work, apply here. If you’re a company looking for high-quality fractional talent, learn more here.

Oliver Liu

Product Manager
San Diego, CA, US
Product Strategy
Software Development
Product Management
Available for hire fromNegotiable
Contracts

Projects

Returns

● Self-Serve Returns Platform (PLG) → Launched no-code, brand-customizable returns editor on Shopify, cutting onboarding time by 70%, enabled 100% inbound merchant installs ● Product Recommendations (Checkout Optimization) → Led machine learning personalization and segmentation models, increasing CTR by 150% and AOV by 20% ● Capital Lending Platform (B2B Credit) → Built ML-driven underwriting platform for merchant capital lending; cut credit decision time from days to minutes (patent pending)

Work History

U

Principal Product Manager

UpstartUpstart (NASDAQ: UPST) is a leading AI lending platform, helping over 100 banks and credit unions approve more borrowers at lower rates with a modern, digital-first experience. More than 90% of Upstart loans are fully automated with no human intervention.
R

Director of Product

RouteOct 2023 - Aug 2025 • 1 yr 11 mosLead a team of PMs ($100M+ revenue product lines) responsible for B2B2C Checkout Experiences, Payments, Fraud, Trust and Safety. Checkout A/B testing optimizations for 15,000+ merchants, platform services and payment billing systems. Machine Learning personalized recommendations, capital underwriting, and loans.
A

Staff Product Manager

AffirmMay 2021 - Oct 2023 • 2 yrs 6 mosLead Product Manager at Affirm, managing a team of 3 PMs focusing on Consumer Return and Exchange Experience (B2B2C), Revenue Growth Strategies for Merchants (B2B), and Machine Learning Recommendations, Capital, Risk, and Underwriting (Data Science).
R

Group Product Manager (Acquired by Affirm)

ReturnlyJan 2020 - May 2021 • 1 yr 5 mosJoined the Series B Startup with 50 employees and scaled the team to 200 employees through acquisition by Affirm. Developed proprietary consumer behavioral credit underwriting capabilities.
A

Senior Product Manager, eCommerce

AppDirectJul 2018 - Dec 2019 • 1 yr 6 mosProduct Manager for AppDirect’s flagship product, AppMarket. Managed a 3-sided marketplace and led 3 local and global scrum teams.
A

Product Manager

AppDirectAug 2016 - Jul 2018 • 2 yrs
D

Product Manager (Consultant)

Deloitte DigitalAug 2015 - Aug 2016 • 1 yr 1 moBuilt Washington’s first Health Insurance Exchange, serving 2M+ users annually.
D

Business Technology Analyst

Deloitte DigitalSep 2013 - Aug 2015 • 2 yrs
K

Risk Consulting Intern

KPMGJun 2012 - Aug 2012 • 3 mosRecovered revenue from contract financial misreporting and licensing for Clients (IBM, Seagate).
A

Board of Directors

Associated Students, Inc.-Cal Poly San Luis ObispoSep 2011 - Jun 2012 • 10 mosCampaigned and won a university-wide election. Represented over 2200 students in the College of Business managing a $12 million student fund.

Education

C

California Polytechnic State University-San Luis Obispo

Bachelor of Science (BS), Business Information Systems2009 - 2013
U

University of Potsdam

2012
S

Saratoga High School

How Pangea Works

Effortlessly discover top talent

We've distilled the candidate search from endless hours down to just a few minutes. Using Pangea's AI-powered search tools, you can find top fractional talent able to take on your next project. Our system looks at your company's niche and your needs to find the perfect match faster than any traditional hiring platform.

Start working with talent today

The top talent on Pangea is ready to get started with you right now. You can message or hire a candidate right from their profile page and start assigning work as soon as they respond. And the best part? Pangea's fractional contract structure lets you start small and ramp up as your needs change, keeping your costs manageable and your team's capabliities flexible.

Track work and invoices in one place

Assign tasks, track progress, and complete invoices all on Pangea. We've combined every part of the hiring process into one platform to eliminate the miscommunication that's unavoidable on other freelance platforms. We even send out 1099s to your contractors at the end of the year!

Talk with a Talent Expert

Members of our team are available to help you speed through the hiring process.
Available Now
Book a Call
Pangea empowers fractional work across the world for marketing and design roles.