Product Quality Associate Manager – Unsecured Lending

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🇺🇸 United States – Remote

💵 $115.8k - $160.1k / year

⏰ Full Time

🟡 Mid-level

👔 Manager

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Upstart

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Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• Execute manual and automated quality tests for assigned regulatory areas, evaluating disclosures, lending decisions, and customer-facing workflows against regulatory requirements and internal policies • Build and validate testing populations and samples, document test steps and evidence, and maintain reproducible workpapers • Participate in design walkthroughs for assigned tests and raise control design concerns to the Product Quality Manager • Analyze testing exceptions, classify severity, document root causes, escalate findings, and support follow-up validation • Document unclear requirements or results and escalate to Compliance or Legal for interpretation • Reperform automated monitoring checks and validate results after system or process changes • Review whether monitoring missed relevant exceptions • Partner with Product, Engineering, Operations, Compliance, Legal, and Risk to communicate findings and identify process and control improvements • Use approved AI tools to support testing research or draft test steps, verify outputs against source requirements, and protect customer information • Execute risk-based quality testing across the unsecured lending lifecycle and help strengthen controls as the program expands

🎯 Requirements

• Bachelor’s degree or equivalent practical experience • 3+ years of experience in compliance testing, quality control or assurance, internal audit, or regulatory examination in consumer lending • Experience performing transaction-level testing under consumer financial regulations, such as TILA/Reg Z, ECOA/Reg B, FCRA, EFTA/Reg E, FDCPA/Reg F, or UDAAP • Experience querying or analyzing data with spreadsheet tools or comparable methods to build or validate testing populations • Experience documenting test procedures, supporting evidence, exceptions, and testing conclusions • Knowledge of automated lending platforms, credit decisioning systems, or digital lending products • Experience with unsecured installment loans or lines of credit • Experience using AI tools in quality testing and checking the accuracy of AI-generated results • Ability to coordinate multiple testing cycles and deadlines as program priorities change • Ability to present findings and proposed control improvements clearly to cross-functional partners

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Medical, dental, vision, and wellness resources • Health Savings Account contributions for eligible plans (US only) • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Fertility, parenthood, and caregiving benefits • Employee Assistance Program with mental health support and life-centered resources • Financial planning tools and financial concierge service (US only) • Annual wellness allowance • Annual productivity allowance for relevant tools and resources • Team events, all-company updates, and employee resource groups • Catered lunches and fully stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City

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