Sr Manager, Product Quality Oversight

Upstart•San Mateo, CA

1d•$172,200 - $274,000•Remote

About The Position

Upstart's Product Quality team is responsible for answering a critical question for Upstart Bank: how do we know our lending products are working correctly, every day, for every borrower? The team provides independent first-line quality oversight across lending products and servicing experiences, evaluating whether product outputs, disclosures, credit decisions, and customer-facing workflows are operating as designed and in accordance with regulatory requirements. As the Senior Manager, Product Quality at Upstart, you will build and lead a newly formed product quality function within a newly chartered OCC-regulated bank. This is a highly visible greenfield leadership role responsible for designing the operating model, quality methodologies, governance processes, and team structure that will support ongoing quality oversight across Upstart's lending products. You will partner closely with Product, Engineering, Compliance Program Management, Risk, and Operations leaders to identify systemic issues, strengthen controls, and help ensure examination-ready quality practices.

Requirements

Bachelor's degree or equivalent practical experience.
8+ years of experience in consumer lending quality control, product quality, compliance testing, operational risk, audit, or related control functions.
3+ years of direct people management experience leading quality, risk, compliance, audit, or control oversight teams.
Experience designing and operating quality control or quality assurance programs focused on product, system, transaction, or operational outputs within consumer lending.
Working knowledge of consumer lending regulations, including Truth in Lending Act (TILA), Regulation B, Fair Debt Collection Practices Act (FDCPA), and UDAAP, applied within lending products and customer-facing processes.

Nice To Haves

Experience building or scaling first-line quality control programs within a regulated bank, fintech, or consumer lending organization.
Knowledge of automated lending platforms, digital lending products, decisioning systems, or technology-enabled credit origination processes.
Experience developing sampling methodologies, transaction testing programs, disclosure reviews, or defect identification frameworks.
Ability to translate quality findings into actionable recommendations for Product, Engineering, Compliance, and executive stakeholders.
Experience supporting regulatory examinations, internal audits, governance committees, or remediation programs within a highly regulated environment.

Responsibilities

Build and lead Upstart Bank's Product Quality program, establishing the frameworks, governance, and operating model used to evaluate whether lending products are producing accurate, compliant, and intended outcomes.
Design and implement quality methodologies, including product review checklists, sampling strategies, defect taxonomies, escalation criteria, monitoring routines, and quality reporting.
Evaluate product outputs across lending and servicing workflows, including disclosures, credit decisioning processes, customer communications, and other regulated product experiences.
Distinguish isolated product defects from systemic product failures by analyzing quality findings, identifying patterns, assessing customer and regulatory impact, and driving appropriate escalation paths.
Partner with Product, Engineering, and Compliance Program Management teams to investigate root causes, prioritize remediation efforts, and improve the reliability, effectiveness, and control environment of lending products.
Represent the Product Quality function in regulatory examinations, audits, governance forums, and cross-functional reviews while maintaining examination-ready documentation and workpapers.
Build, develop, and mentor a growing team of quality analysts, helping establish a culture of analytical rigor, sound judgment, continuous improvement, and proactive risk identification.

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!)