Product Quality Manager, Unsecured Lending

Upstart; Oregon; Hybrid; USD 145,000 - 201,000; Full time

Benefits offered by this job

401(k) with company match

Annual equity grants

Health coverage

Paid time off

Parental leave

Remote/hybrid flexibility

Job summary

Upstart, a digital-first AI lending marketplace, seeks a Product Quality Manager, Unsecured Lending, to lead end-to-end quality testing for regulatory areas and shape a scalable oversight program.

You will translate regulations into test criteria, partner with Engineering on automated monitoring, manage risk-based testing, and guide cross-functional remediation with documentation for audit readiness.

This is an individual contributor role offering remote work across the US.

Qualifications

• Bachelor’s degree or equivalent practical experience.
• 5+ years 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.

Responsibilities

• Lead testing for assigned regulatory areas from planning through reporting, 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 test scripts and coverage as regulations or products change; and decide when to re-scope testing or seek Compliance or Legal interpretation as facts change.
• Lead control design walkthroughs to understand the end-to-end process, including dependencies across systems, teams, and third parties; challenge whether controls are designed to address the risk, and set the testing approach.
• Evaluate whether lending controls operate as intended across origination, servicing, and collections; identify systemic gaps and elevate findings supported by evidence.
• Partner with Engineering on automated and AI-assisted monitoring requirements, verifying rule logic, testing populations, outputs, and missed exceptions before relying on results.
• 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 to advance 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, verifying AI-assisted conclusions against source requirements and manual checks.

Skills

Regulatory testing

Independent testing leadership

Cross-functional collaboration

Documentation & reporting

Risk-based sampling

Education

Bachelor’s degree or equivalent practical experience

Tools

Automated monitoring

AI-assisted testing

Testing frameworks

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 Manager, Unsecured Lending at Upstart, you will lead end-to-end quality testing for assigned regulatory areas and help shape a scalable, data-driven oversight program. You’ll define risk-based testing coverage, partner with Engineering to design and validate automated monitoring, and work across teams to resolve control gaps. This is an individual contributor role.

How you’ll make an impact

• Lead testing for assigned regulatory areas from planning through reporting, 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 test scripts and coverage as regulations or products change; and decide when to re-scope testing or seek Compliance or Legal interpretation as facts change.
• Lead control design walkthroughs to understand the end-to-end process, including dependencies across systems, teams, and third parties; challenge whether controls are designed to address the risk, and set the testing approach.
• Evaluate whether lending controls operate as intended across origination, servicing, and collections; identify systemic gaps and elevate findings supported by evidence.
• Partner with Engineering on automated and AI-assisted monitoring requirements, verifying rule logic, testing populations, outputs, and missed exceptions before relying on results.
• 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 to advance 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, verifying AI-assisted conclusions against source requirements and manual checks.

Minimum Qualifications

• Bachelor’s degree or equivalent practical experience.
• 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.

Preferred Qualifications

• 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.

Position location

This role is available in the following locations: Remote
[OPTIONAL] In-Office requirements.

You will be required to work from the {insert location} office x days per week/month.

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 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.

United States | Remote - Anticipated Base Salary Range
$145,100—$201,100 USD

What you’ll love

• 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.