Unsecured Lending Product Quality Associate Manager

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

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