Product Quality Manager

1 hour, 30 minutes ago
Full-time
Senior
Quality Assurance and Testing
Upstart

Upstart

Upstart Powered Loans: Personal, Car Refinance & Consolidation Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit! Founded by ex Googlers, Upstar...

Banks
1K-5K
Founded 2012

Description

  • Lead execution of the secured lending quality control program across origination, servicing, and collections.
  • Perform pre-close and post-close reviews, compliance testing, denied or withdrawn application reviews, investor defect analysis, and non-performing loan reviews.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 defects, investor kickouts, repurchase demands, early payment defaults, and other quality issues.
  • Develop quality reporting, dashboards, and trend analyses for senior leadership.
  • Prepare the Quality function for audits and regulatory exams through documentation, evidence management, and exam-ready processes.
  • Partner with Operations, Compliance, Legal, Risk, and servicing teams on quality standards, escalation paths, and remediation timelines.
  • Oversee third-party, subservicer, servicing, and collections quality reviews.
  • Support model risk monitoring through quality reviews tied to credit decisioning, adverse action accuracy, and early default trends.

Requirements

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

Benefits

  • Anticipated base salary range of $145,100 to $201,100 USD for the U.S. remote role.
  • Target bonuses.
  • Annual equity grants and equity compensation.
  • Medical, dental, and vision coverage.
  • 401(k) or Group Retirement Savings Plan with company match of $2 for every $1 contributed, up to $15,000 annually.
  • Employee Stock Purchase Plan with discounted stock purchase options for eligible U.S. employees.
  • Paid time off, sick leave, and company holidays.
  • Paid family and parental leave, plus fertility, parenthood, and caregiving support.
  • Employee Assistance Program with mental health support and life-centered resources.
  • Health Savings Account contributions for eligible U.S. plans.
  • Financial wellness resources, including planning tools and a financial concierge service.
  • Annual wellness allowance and annual productivity allowance.
  • Flexible remote work with periodic in-person onsites.
  • Onsite perks such as catered lunches and stocked micro-kitchens at office locations.

Interested in this position?

Apply directly on the company website

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