Product Quality Manager

Upstart

13h•$145,100 - $201,100•Remote

About The Position

Upstart's Secured Lending Quality team is responsible for building and operating the first line of defense quality control program across Upstart’s secured lending products, including Home Lending and Auto Lending. The team ensures loans meet high standards for accuracy, compliance, and salability through a multi-layered quality framework spanning origination, servicing, collections, and non-performing loan monitoring. The team operates independently from production management, providing credible challenges to the business while using AI-powered technology to deliver scalable, examination-ready quality assurance. As the Secured Lending Quality Manager, you will lead quality control execution across the secured product portfolio, including pre-close and post-close reviews, compliance monitoring and testing, servicing and collections quality reviews, non-performing loan reviews, and investor defect analysis. You will serve as a key leader in strengthening Upstart’s quality infrastructure, partner closely with Operations, Compliance, Legal, and Risk, and help scale a modern, data-driven quality program in a fast-moving lending environment. This is an opportunity for an experienced quality leader who is energized by building programs from the ground up and improving how quality is measured, monitored, and operationalized across the secured lending lifecycle.

Requirements

7+ years of experience in quality control, compliance testing, or risk management in consumer lending, including secured lending products such as mortgage, home equity, or auto
2+ years of experience leading a QC team or managing quality analysts or auditors
Experience conducting pre-close and post-close file reviews, defect identification, root cause analysis, and corrective action management
Experience with regulatory exams and responses involving agencies such as the OCC, FDIC, CFPB, or state regulators
Experience designing or implementing QC sampling methodologies, including random and risk-based sampling
Experience with non-performing loan reviews, early default analysis, repurchase reviews, or servicing quality oversight
Working knowledge of key consumer lending regulations applicable to secured products
Bachelor’s degree or equivalent practical experience

Nice To Haves

Experience with AI-powered or automated QC tools
Experience with investor delivery requirements, repurchase demands, or loan buybacks
Experience with third-party and subservicer oversight frameworks
Experience building dashboards, executive reporting, or board-ready quality materials
Ability to translate complex regulatory requirements into practical QC procedures and testing frameworks
Strong cross-functional communication skills in a fast-paced lending environment

Responsibilities

Lead execution of Upstart’s secured lending quality control program across origination, servicing, and collections, including pre-close and post-close reviews, compliance testing, denied/withdrawn application reviews, investor defect analysis, and non-performing loan reviews
Oversee QC sampling methodology and ensure risk-based, statistically sound sample selection aligned with regulatory expectations
Serve as product owner for the QC Engine, including rule approval, output validation, threshold calibration, and performance reporting
Drive root cause analysis and remediation for defect trends, investor kickouts, repurchase demands, early payment defaults, and other quality issues
Develop quality reporting, dashboards, and trend analyses for senior leadership, including defect trends, escape rates, cure rates, sampling coverage, and corrective action status
Prepare the Quality function for audits and regulatory exams through strong documentation, evidence management, and examination-ready processes
Partner with Operations, Compliance, Legal, Risk, and servicing teams to align on quality standards, escalation paths, and remediation timelines
Oversee third-party, subservicer, servicing, and collections quality reviews, including compliance with applicable consumer lending requirements
Support model risk monitoring through quality reviews tied to credit decisioning, adverse action accuracy, and early default trends

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 (opening Summer 2026!)