HMDA/Fair Lending Manager

OhioX; Northern (KY); Hybrid; USD 145,000 - 201,000; Full time

Benefits offered by this job

401(k) with company match

Equity compensation

Comprehensive health benefits

Paid time off

Job summary

Upstart is seeking a HMDA / Fair Lending Manager to own the data-quality lifecycle for HMDA reporting, with emphasis on accuracy, geographic analysis, and second-line oversight. The role focuses on building robust controls, partnering with Compliance, Product, and Model Risk, and applying automation and Generative AI to scale reviews while preserving regulatory interpretation and human review.

Remote work options available.

Qualifications

• 4+ years of HMDA data experience with data integrity, geocoding, and reporting.
• Experience preparing quarterly and annual HMDA submissions in regulated lending environments.
• Experience performing root-cause analysis of compliance data and coordinating remediation.
• Knowledge of Fair Lending requirements (EOA/Reg B, FHA).
• Experience with compliance testing, QA, monitoring, or second-line oversight of regulated lending data.

Responsibilities

• Own HMDA data-quality lifecycle, including reviews and reporting accuracy and timeliness.
• Identify data-quality issues and coordinate remediation with business teams.
• Build a risk-based HMDA sampling and QA program for second-line oversight.
• Perform geographic analysis of lending patterns to identify redlining and Fair Lending risks.
• Collaborate with Product Compliance, Fair Lending, Model Risk to improve data controls.
• Use automation and Generative AI to improve sampling and analysis with human review.

Skills

HMDA data quality

Geocoding

HMDA submissions

Root cause analysis

Fair Lending

Regulatory data oversight

Job description

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team

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.

HMDA / Fair Lending Manager

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.

How you’ll make an impact

• 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.

Minimum Qualifications

• 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.

Preferred Qualifications

• 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.

Position location

This role is available in the following locations: Remote

Time zone requirements

The team operates on the East/West coast time zones.

Travel requirements

As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in‑person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location-with our \"digital first\" philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job‑related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range

$145,100 - $201,100 USD

What you’ll love

At Upstart, our benefits are designed to support your health, financial well‑being, family, and personal growth. Here’s what you can expect:

• 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

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please email [e-mail]

https://www.upstart.com/candidate_privacy_policy