Product Quality Manager, Unsecured Lending

Upstart

5d•$145,100 - $201,100•Remote

About The Position

Upstart’s Product Quality Oversight team builds and operates the first-line quality oversight program for unsecured lending, including personal loans, small-dollar loans, and cash line. The team assesses whether lending decisions, disclosures, customer-facing workflows, and servicing outputs operate as intended and meet regulatory and internal policy requirements. The Product Quality Manager leads end-to-end quality testing for assigned regulatory areas and helps shape a scalable, data-driven oversight program. The role defines risk-based testing coverage, partners with Engineering to design and validate automated monitoring, and works across teams to resolve control gaps. This is an individual contributor role. The position is available remotely in the United States. Upstart is digital-first, and teams generally meet in person once or twice per quarter for two to four consecutive days. The anticipated U.S. remote base salary range is $145,100–$201,100. Total compensation may also include target bonuses, equity, and benefits.

Requirements

Bachelor’s degree or equivalent practical experience.
At least 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.

Nice To Haves

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 a similar compliance certification.

Responsibilities

Lead testing for assigned regulatory areas from planning through reporting, including defining risk-based coverage, sampling approaches, test scripts, and documented conclusions.
Set testing priorities and timelines for assigned areas, and coordinate testers’ work to meet them.
Translate regulatory requirements into testable attributes and criteria; update scripts and coverage as regulations or products change; and determine when to re-scope testing or seek Compliance or Legal interpretation.
Lead control design walkthroughs to understand end-to-end processes and dependencies across systems, teams, and third parties; assess whether controls address the relevant risks and set the testing approach.
Evaluate whether lending controls operate as intended 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 and outputs, and checking for missed exceptions.
Lead validation after product or process changes, review and reperform testers’ work, and help maintain consistent methods and audit-ready documentation.
Translate findings and root causes into actionable recommendations; work with Product, Operations, Compliance, Legal, and Risk on remediation and support reviews by second-line testing and Internal Audit.
Help improve the oversight program and guide other testers while using approved AI tools responsibly and verifying AI-assisted conclusions against source requirements and manual checks.

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 (USD in the U.S., CAD in Canada).
Employee Stock Purchase Plan with discounted stock purchase options for eligible U.S. employees.
Medical, dental, and vision coverage, wellness resources, and supplemental health coverage in Canada.
Health Savings Account contributions for eligible U.S. plans.
Life insurance and disability coverage.
Paid time off, sick leave, and company holidays in line with local requirements.
Paid family and parental leave; duration varies by country.
Family-centered benefits supporting fertility, parenthood, and caregiving.
Employee Assistance Program with mental health support and life-centered resources.
Financial wellness resources, including financial planning tools and a financial concierge service for U.S. employees.
Annual wellness allowance supporting physical and emotional well-being and personal development.
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.