Oliver Liu

About

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.

Experience

• Principal Product Manager · Upstart08-01-2025 –

  Upstart (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.

• Director of Product · Route10-01-2023 – 08-01-2025

  Lead 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.

• Staff Product Manager · Affirm05-01-2021 – 10-01-2023

  Lead 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).

• Group Product Manager (Acquired by Affirm) · Returnly01-01-2020 – 05-01-2021

  Joined 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.

• Senior Product Manager, eCommerce · AppDirect07-01-2018 – 12-01-2019

  Product Manager for AppDirect’s flagship product, AppMarket. Managed a 3-sided marketplace and led 3 local and global scrum teams.

• Product Manager · AppDirect08-01-2016 – 07-01-2018
• Product Manager (Consultant) · Deloitte Digital08-01-2015 – 08-01-2016

  Built Washington’s first Health Insurance Exchange, serving 2M+ users annually.

• Business Technology Analyst · Deloitte Digital09-01-2013 – 08-01-2015
• Risk Consulting Intern · KPMG06-01-2012 – 08-01-2012

  Recovered revenue from contract financial misreporting and licensing for Clients (IBM, Seagate).

• Board of Directors · Associated Students, Inc.-Cal Poly San Luis Obispo09-01-2011 – 06-01-2012

  Campaigned and won a university-wide election. Represented over 2200 students in the College of Business managing a $12 million student fund.

Education

• California Polytechnic State University-San Luis ObispoBachelor of Science (BS), Business Information Systems
• University of Potsdam
• Saratoga High School

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