Remote Unsecured Lending Quality Manager

OhioX; Austin, San Francisco, New York (TX, CA, NY); Remote; USD 145,000 - 201,000; Full time

Benefits offered by this job

Remote-friendly environment

Comprehensive benefits

Annual equity grants

401(k) with match

Wellness and productivity allowances

Job summary

Upstart is seeking a Product Quality Manager, Unsecured Lending, to lead end‑to‑end quality testing across origination, servicing and collections. You will define risk‑based testing, partner with Engineering on automated monitoring, and drive remediation with cross‑functional teams in a remote-friendly, US‑based role.

The role emphasizes regulatory compliance in consumer lending, scalable oversight, and data‑driven decision making, with opportunity for growth and impact across the company.

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.

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

Compliance testing

Quality testing

Risk-based sampling

Regulatory knowledge

Cross-functional

AI monitoring

CRCM

Education

Bachelor's degree

Job description

Upstart is seeking a Product Quality Manager, Unsecured Lending, to lead end‑to‑end quality testing across origination, servicing and collections. You will define risk‑based testing, partner with Engineering on automated monitoring, and drive remediation with cross‑functional teams in a remote-friendly, US‑based role.

The role emphasizes regulatory compliance in consumer lending, scalable oversight, and data‑driven decision making, with opportunity for growth and impact across the company.