HMDA/Fair Lending Manager

Upstart

20h•$145,100 - $201,100•Remote

About The Position

Upstart's Responsible AI Lending team supports fair and responsible lending practices through compliance oversight, analysis, and controls. The team partners across Product Compliance, Fair Lending, and Model Risk to identify and manage regulatory risk while supporting Upstart Bank’s continued growth. As the HMDA / Fair Lending Manager, you will own key elements of Upstart Bank’s Home Mortgage Disclosure Act compliance program, with a focus on data integrity, reporting, and second-line oversight. You will establish and manage the HMDA quality program while expanding your impact over time through geographic analysis, Fair Lending support, and thoughtful use of automation to make compliance reviews more effective and scalable.

Requirements

4+ years of hands-on experience reviewing HMDA Loan/Application Register data and applying HMDA data integrity, geocoding, and reporting requirements.
Experience preparing, reviewing, or supporting quarterly and annual HMDA submissions in a regulated lending or financial-services environment.
Experience performing root-cause analysis of compliance or regulatory data issues and coordinating remediation with business or operational teams.
Working knowledge of applicable Fair Lending requirements, including the Equal Credit Opportunity Act/Regulation B and Fair Housing Act.
Experience performing compliance testing, quality assurance, monitoring, or other second-line oversight activities involving regulated lending data.

Nice To Haves

Knowledge of geographic or redlining analysis used to support Fair Lending monitoring.
Experience building or improving risk-based sampling methodologies, quality-control programs, or compliance monitoring frameworks.
Ability to work across compliance, product, model risk, and business teams to resolve data-quality and regulatory issues.
Experience using scripting, analytics, automation, or Generative AI tools to improve regulatory data review and identify anomalous patterns.
Ability to translate regulatory requirements and analytical findings into clear documentation and actionable recommendations.

Responsibilities

Own the HMDA data-quality lifecycle, including periodic Loan/Application Register reviews, quarterly and annual filing preparation, and oversight of reporting accuracy and timeliness.
Identify data-quality issues and root causes, partner with business teams on corrective actions, and monitor remediation through resolution.
Build and maintain a risk-based HMDA sampling and quality-assurance program that provides an effective second-line challenge of business-owned reporting data.
Perform and support geographic analysis of lending patterns to identify potential redlining and other Fair Lending risks and contribute to broader Fair Lending monitoring.
Partner with Product Compliance, Fair Lending, Model Risk, and business teams to clarify responsibilities, improve controls, and promote consistent data-quality practices.
Use automation and Generative AI responsibly to improve sampling, anomaly detection, trend analysis, and documentation while maintaining appropriate human review for regulatory interpretation and reporting decisions.

Benefits

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