Product Quality Manager

🕒 Junho 8

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $145.100 - $201.100 / ano

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Upstart

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

A Upstart é um dos principais marketplaces de empréstimos com IA, em parceria com bancos e cooperativas de crédito para expandir o acesso a crédito acessível. Ao nos tornarmos uma empresa de capital aberto, estamos agora prontos para alavancar nossa expertise no domínio e revolucionar todos os aspectos da concessão de empréstimos e avaliação de risco de crédito. Recentemente ampliamos nossas ofertas para incluir refinanciamento de automóveis e planejamos atuar em mais verticais à medida que o negócio cresce. Ao utilizar o marketplace de IA da Upstart, bancos e cooperativas de crédito que utilizam a Upstart podem ter taxas de aprovação mais altas e taxas de perda mais baixas, enquanto simultaneamente oferecem a experiência de empréstimo excepcional e digital-first que seus clientes exigem. O marketplace patenteado da Upstart é o primeiro a receber uma carta de não ação do Bureau de Proteção Financeira ao Consumidor relacionada a empréstimos justos. A Upstart não só apoia uma grande força de trabalho remota, mas também possui escritórios em San Mateo, CA; Columbus, OH; e Austin, TX. A maior parte dos que se juntam à Upstart o fazem porque se identificam com nossa missão de permitir acesso a crédito sem esforço baseado no risco real. Se você se sente energizado pelo impacto que pode causar na Upstart, adoraríamos ouvir de você!

Descrição

• Lead execution of Upstart’s secured lending quality control program across origination, servicing, and collections, including pre-close and post-close reviews, compliance testing, denied/withdrawn application reviews, investor defect analysis, and non-performing loan reviews • Oversee QC sampling methodology and ensure risk-based, statistically sound sample selection aligned with regulatory expectations • Serve as product owner for the QC Engine, including rule approval, output validation, threshold calibration, and performance reporting • Drive root cause analysis and remediation for defect trends, investor kickouts, repurchase demands, early payment defaults, and other quality issues • Develop quality reporting, dashboards, and trend analyses for senior leadership, including defect trends, escape rates, cure rates, sampling coverage, and corrective action status • Prepare the Quality function for audits and regulatory exams through strong documentation, evidence management, and examination-ready processes • Partner with Operations, Compliance, Legal, Risk, and servicing teams to align on quality standards, escalation paths, and remediation timelines • Oversee third-party, subservicer, servicing, and collections quality reviews, including compliance with applicable consumer lending requirements • Support model risk monitoring through quality reviews tied to credit decisioning, adverse action accuracy, and early default trends

🎯 Requisitos

• 7+ years of experience in quality control, compliance testing, or risk management in consumer lending, including secured lending products such as mortgage, home equity, or auto • 2+ years of experience leading a QC team or managing quality analysts or auditors • Experience conducting pre-close and post-close file reviews, defect identification, root cause analysis, and corrective action management • Experience with regulatory exams and responses involving agencies such as the OCC, FDIC, CFPB, or state regulators • Experience designing or implementing QC sampling methodologies, including random and risk-based sampling • Experience with non-performing loan reviews, early default analysis, repurchase reviews, or servicing quality oversight • Working knowledge of key consumer lending regulations applicable to secured products • Bachelor’s degree or equivalent practical experience.

🏖️ Benefícios

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. • Health Savings Account contributions from Upstart for eligible plans (US only) • Income protection benefits, including life insurance and disability coverage for added financial security • Paid time off, sick leave, and company holidays, in line with local requirements • Paid family and parental leave to support caregiving and major life moments (duration varies by country) • Family-centered benefits to support fertility, parenthood, and caregiving needs • Employee Assistance Program (EAP) offering mental health support and life-centered resources • Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) • Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you • Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from • Connection and community through team events, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)