Product Quality Associate Manager, Unsecured Lending

Upstart; United States; Remote; USD 116,000 - 160,000; Full time

Benefits offered by this job

Competitive compensation

401(k) with company match

Employee Stock Purchase Plan (ESPP)

Health coverage

Paid time off

Parental leave

EAP

Job summary

Upstart’s Product Quality Oversight team builds and operates the first line of defense 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.

As the Product Quality Associate Manager, Unsecured Lending at Upstart, you will execute risk-based quality testing across

Qualifications

• Bachelor’s degree or equivalent practical experience required.
• 3+ years of experience in compliance testing, quality control or assurance, internal audit, or regulatory examination in consumer lending.
• Experience performing transaction-level testing under consumer financial regulations (e.g., TILA/Reg Z, ECOA/Reg B, FCRA, EFTA/Reg E, FDCPA/Reg F, UDAAP).
• Experience querying or analyzing data with spreadsheet tools or similar methods to build or validate testing populations.
• Experience documenting test procedures, supporting evidence, exceptions, and testing conclusions.

Responsibilities

• Execute manual and automated quality tests for assigned regulatory areas, following tested scripts and sampling approaches.
• Build and validate testing populations, document steps and evidence.
• Participate in design walkthroughs for tests and raise design concerns to the Product Quality Manager.
• Analyze testing exceptions, classify severity, and document root causes for follow-up validation.
• Raise questions when requirements aren’t clear and escalate for Compliance/Legal interpretation.
• Reperform automated monitoring checks and validate results after changes.
• Collaborate with Product, Engineering, Operations, Compliance, Legal, and Risk to improve processes and controls.
• Use approved AI tools to support testing research or draft steps, validating outputs against requirements.

Skills

Compliance testing

Quality control

Internal audit

Regulatory examination

Education

Bachelor’s degree or equivalent practical experience

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 Product Quality Oversight team builds and operates the first line of defense 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.

As the Product Quality Associate Manager, Unsecured Lending at Upstart, you will execute risk-based quality testing across the lending lifecycle and help strengthen controls as the program expands. You’ll document reliable testing evidence, investigate exceptions, and support the shift from manual checks to validated automated monitoring. This is an individual contributor role.

How you’ll make an impact

• Execute manual and automated quality tests for assigned regulatory areas, following established test scripts and sampling approaches, evaluating disclosures, lending decisions, and customer-facing workflows against regulatory requirements and internal policies.
• Build and validate testing populations and samples, document test steps and evidence, and maintain workpapers that another reviewer can reperform.
• Take part in design walkthroughs for assigned tests, asking whether each control would actually catch the error being tested, and raise design concerns to the Product Quality Manager.
• Analyze testing exceptions to distinguish isolated errors from potential systemic gaps; classify exceptions using the program's severity ratings, document root causes, elevate findings, and support follow-up validation.
• Recognize when a requirement or result isn’t clear-cut, document the question, and raise for Compliance or Legal interpretation rather than forcing a conclusion.
• Reperform automated monitoring checks and validate results after system or process changes, including reviewing whether monitoring missed relevant exceptions.
• Partner with Product, Engineering, Operations, Compliance, Legal, and Risk to communicate findings and identify improvements to processes and controls.
• Use approved AI tools to support testing research or draft test steps, verifying outputs against source requirements and protecting customer information.

Minimum Qualifications

• Bachelor’s degree or equivalent practical experience.
• 3+ years of experience in compliance testing, quality control or assurance, internal audit, or regulatory examination in consumer lending.
• Experience performing transaction-level testing under consumer financial regulations, such as TILA/Reg Z, ECOA/Reg B, FCRA, EFTA/Reg E, FDCPA/Reg F, or UDAAP.
• Experience querying or analyzing data with spreadsheet tools or comparable methods to build or validate testing populations.
• Experience documenting test procedures, supporting evidence, exceptions, and testing conclusions.

Preferred Qualifications

• Knowledge of automated lending platforms, credit decisioning systems, or digital lending products.
• Experience with unsecured installment loans or lines of credit.
• Experience using AI tools in quality testing and checking the accuracy of AI-generated results.
• Ability to coordinate multiple testing cycles and deadlines as program priorities change.
• Ability to present findings and proposed control improvements clearly to cross‑functional partners.

Position location

This role is available in the following locations: Remote

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.

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

$115,800—$160,100 USD

What you’ll love

At Upstart, our benefits for full-time employees 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