Product Quality Manager, Unsecured Lending

The role

You will lead end-to-end quality testing for assigned regulatory areas and help shape a scalable, data-driven oversight program. This individual contributor role involves defining risk-based testing coverage and partnering with Engineering to design and validate automated monitoring.

What you will do

• Lead testing for assigned regulatory areas from planning through reporting
• Set testing priorities and timelines for assigned areas
• Translate regulatory requirements into testable attributes and criteria
• Lead control design walkthroughs to understand end-to-end processes
• Evaluate whether lending controls operate as intended
• Partner with Engineering on automated and AI-assisted monitoring requirements
• Lead validation after product or process changes
• Translate findings and root causes into actionable recommendations
• Help improve the oversight program and guide other testers

Required 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, EFT
• Experience analyzing testing populations, control results, or automated monitoring outputs to assess completeness and identify exceptions

Nice to have

• 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

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 (US only)
• Medical, dental, vision, and wellness resources
• Health Savings Account contributions for eligible plans (US only)
• 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 (US Only)
• 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.