[Hiring] Product Quality Manager @Upstart

Role Description

As the Product Quality Manager, Unsecured Lending at Upstart, you will lead end-to-end quality testing for assigned regulatory areas and help shape a scalable, data-driven oversight program. This is an individual contributor role.

• Lead testing for assigned regulatory areas from planning through reporting, defining risk-based coverage, sampling approaches, test scripts, and documented conclusions.
• Set testing priorities and timelines for assigned areas, and coordinate testers' work to meet them.
• Translate regulatory requirements into testable attributes and criteria; update test scripts and coverage as regulations or products change.
• Lead control design walkthroughs to understand the end-to-end process, including dependencies across systems, teams, and third parties.
• Evaluate whether lending controls operate as intended across origination, servicing, and collections; identify systemic gaps and escalate findings supported by evidence.
• Partner with Engineering on automated and AI-assisted monitoring requirements, verifying rule logic, testing populations, outputs, and missed exceptions.
• Lead validation after product or process changes, review and reperform testers’ work, and help maintain consistent methods and audit-ready documentation.
• Translate findings and root causes into actionable recommendations; work with Product, Operations, Compliance, Legal, and Risk to advance remediation.
• Help improve the oversight program and guide other testers while using approved AI tools responsibly.

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

Preferred Qualifications

• 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.
• 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

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Retirement benefits including a 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) with discounted stock purchase options for eligible employees (US only).
• Comprehensive health coverage including medical, dental, vision, and wellness resources.
• Health Savings Account contributions from Upstart for eligible plans (US only).
• Income protection benefits, including life insurance and disability coverage.
• 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.
• 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.
• Annual productivity allowance to invest in relevant tools and resources.
• Connection and community through team events, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens in select offices.