Product Quality Manager, Home Lending & Auto

The role

You will lead the execution of the secured lending quality control program across origination, servicing, and collections. This includes managing QC sampling, serving as product owner for the QC Engine, and driving root cause analysis for quality issues.

What you will do

• Lead execution of secured lending quality control program across origination, servicing, and collections
• Oversee QC sampling methodology and ensure risk-based, statistically sound sample selection
• Serve as product owner for the QC Engine
• Drive root cause analysis and remediation for defect trends and quality issues
• Develop quality reporting, dashboards, and trend analyses for senior leadership
• Prepare the Quality function for audits and regulatory exams
• Partner with Operations, Compliance, Legal, Risk, and servicing teams
• Oversee third-party, subservicer, servicing, and collections quality reviews
• Support model risk monitoring through quality reviews

Required qualifications

• 7+ years of experience in quality control, compliance testing, or risk management in consumer lending, including secured lending products such as mortgage, home equity, or auto
• 2+ years of experience leading a QC team or managing quality analysts or auditors
• Experience conducting pre-close and post-close file reviews, defect identification, root cause analysis, and corrective action management
• Experience with regulatory exams and responses involving agencies such as the OCC, FDIC, CFPB, or state regulators
• Experience designing or implementing QC sampling methodologies, including random and risk-based sampling
• Experience with non-performing loan reviews, early default analysis, repurchase reviews, or servicing quality oversight
• Working knowledge of key consumer lending regulations applicable to secured products
• Bachelor’s degree or equivalent practical experience

Nice to have

• Experience with AI-powered or automated QC tools
• Experience with investor delivery requirements, repurchase demands, or loan buybacks
• Experience with third-party and subservicer oversight frameworks
• Experience building dashboards, executive reporting, or board-ready quality materials
• Ability to translate complex regulatory requirements into practical QC procedures and testing frameworks
• Strong cross-functional communication skills in a fast-paced lending environment

Benefits

• Base pay, bonus opportunities, and annual equity grants that vest quarterly
• 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
• Employee Stock Purchase Plan (ESPP) for eligible employees in the US
• Medical, dental, vision, and wellness resources
• Health Savings Account contributions for eligible plans in the US
• Life insurance and disability coverage
• Paid time off, sick leave, and company holidays
• Paid family and parental leave
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP)
• Financial wellness resources including financial planning tools and a financial concierge service in the US
• Annual wellness allowance

About the company

Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. The company is digital-first and aims to reduce the cost and complexity of borrowing for all Americans.