Product Quality Manager, Home Lending & Auto at Upstart

Job description

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Secured Lending Quality team is responsible for building and operating the first line of defense quality control program across Upstart’s secured lending products, including Home Lending and Auto Lending. The team ensures loans meet high standards for accuracy, compliance, and salability through a multi-layered quality framework spanning origination, servicing, collections, and non-performing loan monitoring. The team operates independently from production management, providing credible challenges to the business while using AI-powered technology to deliver scalable, examination-ready quality assurance. As the Secured Lending Quality Manager, you will lead quality control execution across the secured product portfolio, including pre-close and post-close reviews, compliance monitoring and testing, servicing and collections quality reviews, non-performing loan reviews, and investor defect analysis. You will serve as a key leader in strengthening Upstart’s quality infrastructure, partner closely with Operations, Compliance, Legal, and Risk, and help scale a modern, data-driven quality program in a fast-moving lending environment. This is an opportunity for an experienced quality leader who is energized by building programs from the ground up and improving how quality is measured, monitored, and operationalized across the secured lending lifecycle. How you’ll make an impact Lead execution of Upstart’s secured lending quality control program across origination, servicing, and collections, including pre-close and post-close reviews, compliance testing, denied/withdrawn application reviews, investor defect analysis, and non-performing loan reviews Oversee QC sampling methodology and ensure risk-based, statistically sound sample selection aligned with regulatory expectations Serve as product owner for the QC Engine, including rule approval, output validation, threshold calibration, and performance reporting Drive root cause analysis and remediation for defect trends, investor kickouts, repurchase demands, early payment defaults, and other quality issues Develop quality reporting, dashboards, and trend analyses for senior leadership, including defect trends, escape rates, cure rates, sampling coverage, and corrective action status Prepare the Quality function for audits and regulatory exams through strong documentation, evidence management, and examination-ready processes Partner with Operations, Compliance, Legal, Risk, and servicing teams to align on quality standards, escalation paths, and remediation timelines Oversee third-party, subservicer, servicing, and collections quality reviews, including compliance with applicable consumer lending requirements Support model risk monitoring through quality reviews tied to credit decisioning, adverse action accuracy, and early default trends Minimum 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 Preferred Qualifications 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 Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $145,100 — $201,100 USD What you'll love At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com upstart.com

Requirements

Must-haves

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-haves

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
Position location This role is available in the following locations: Remote
#LI-MidSenior
At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Health Savings Account contributions from Upstart for eligible plans (US only)

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Benefits

Benefits detected in the listing.

Dental

Vision

401k

401(K)

Paid Time Off

Parental Leave

Wellness