Product Quality Manager – Unsecured Lending

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🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $145.1k - $201.1k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

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

• Lead testing for assigned regulatory areas from planning through reporting, defining risk-based coverage, sampling approaches, test scripts, and documented conclusions • Set testing priorities and timelines and coordinate testers’ work • Translate regulatory requirements into testable attributes and criteria; update scripts and coverage as regulations or products change • Lead control design walkthroughs across systems, teams, and third parties • Evaluate lending controls across origination, servicing, and collections; identify systemic gaps and escalate evidence-supported findings • Partner with Engineering on automated and AI-assisted monitoring requirements, verifying rule logic, testing populations, outputs, and missed exceptions • Lead validation after product or process changes; review and reperform testers’ work; maintain consistent methods and audit-ready documentation • Translate findings and root causes into actionable recommendations and advance remediation with Product, Operations, Compliance, Legal, and Risk • Support second-line testing and Internal Audit reviews • Improve the oversight program and guide other testers while responsibly using approved AI tools

🎯 Requirements

• Bachelor’s degree or equivalent practical experience • 5+ years of experience in compliance testing, quality control or assurance, internal audit, or regulatory examination in consumer lending • Experience independently designing and leading end-to-end quality or compliance testing for consumer lending products, systems, or transactions • Experience developing and applying risk-based sampling methods, standardized testing criteria, and documented conclusions under consumer financial regulations such as TILA/Reg Z, ECOA/Reg B, FCRA, EFTA/Reg E, FDCPA/Reg F, or UDAAP • Experience analyzing testing populations, control results, or automated monitoring outputs to assess completeness and identify exceptions • Knowledge of automated lending platforms, digital lending products, or credit decisioning systems • Experience with quality oversight for unsecured installment loans or lines of credit • Experience designing or validating automated or AI-assisted quality monitoring, including checks for missed exceptions • Ability to influence cross-functional remediation and communicate control assessments to stakeholders with different areas of expertise • Certified Regulatory Compliance Manager (CRCM) or similar compliance certification

🏖️ 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 for US employees; supplemental health coverage for Canada • Health Savings Account contributions for eligible US plans • 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 (EAP) 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 work tools and resources • Team events, all-company updates, and employee resource groups (ERGs) • Catered lunches and stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City

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