Remote Product Quality & Compliance Lead

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

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.