Senior Manager, Product Quality Oversight

🕒 Junho 9

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $172.200 - $274.000 / ano

⏰ Tempo Integral

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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

• Build and lead Upstart Bank's Product Quality program, establishing the frameworks, governance, and operating model used to evaluate whether lending products are producing accurate, compliant, and intended outcomes. • Design and implement quality methodologies, including product review checklists, sampling strategies, defect taxonomies, escalation criteria, monitoring routines, and quality reporting. • Evaluate product outputs across lending and servicing workflows, including disclosures, credit decisioning processes, customer communications, and other regulated product experiences. • Distinguish isolated product defects from systemic product failures by analyzing quality findings, identifying patterns, assessing customer and regulatory impact, and driving appropriate escalation paths. • Partner with Product, Engineering, and Compliance Program Management teams to investigate root causes, prioritize remediation efforts, and improve the reliability, effectiveness, and control environment of lending products. • Represent the Product Quality function in regulatory examinations, audits, governance forums, and cross-functional reviews while maintaining examination-ready documentation and workpapers. • Build, develop, and mentor a growing team of quality analysts, helping establish a culture of analytical rigor, sound judgment, continuous improvement, and proactive risk identification.

🎯 Requisitos

• Bachelor's degree or equivalent practical experience. • 8+ years of experience in consumer lending quality control, product quality, compliance testing, operational risk, audit, or related control functions. • 3+ years of direct people management experience leading quality, risk, compliance, audit, or control oversight teams. • Experience designing and operating quality control or quality assurance programs focused on product, system, transaction, or operational outputs within consumer lending. • Working knowledge of consumer lending regulations, including Truth in Lending Act (TILA), Regulation B, Fair Debt Collection Practices Act (FDCPA), and UDAAP, applied within lending products and customer-facing processes.

🏖️ 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!)