Product Quality Manager
Lead Upstart’s secured lending quality control program across origination, servicing, and collections. Oversee QC sampling, regulatory compliance, root cause analysis, and executive reporting for mortgage and auto products.
About the job
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across origination, servicing, and collections, including pre-close and post-close reviews, compliance testing, denied/withdrawn application reviews, investor defect analysis, and non-performing loan reviews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
Skills
Quality Control, Compliance Testing, Risk Management, Consumer Lending, Mortgage, Auto Lending, Regulatory Exams, Qc Sampling, Root Cause Analysis, Dashboard Development
Similar jobs
Coalition Security
United States
Underwrites complex cyber and Technology E&O risks for large enterprise accounts, leads broker and client negotiations, and shapes portfolio strategy. Requires at least five years of underwriting experience, strong executive communication, and demonstrated mentorship of other underwriters.
Chime
Chicago, IL
Leads high-complexity financial crime investigations, vendor operations, risk trend analysis, typology development, and audit readiness. Requires 7+ years of regulated-environment experience, advanced SQL, transaction-monitoring expertise, and knowledge of AML and fraud typologies.
Crusoe
San Francisco, CA
Leads corporate services procurement for IT, Finance, Legal, HR, and Travel categories. Manages full procurement lifecycle, negotiates contracts, analyzes spend for cost savings, and builds sourcing team. Requires 7+ years experience and bachelor's degree.
Akur8
New York, NY
Senior Life Actuary responsible for designing and maintaining Life, Annuity, and Health actuarial models, supporting client onboarding, demos, and technical guidance. Requires ASA/FSA-level qualification, 7+ years of relevant experience, actuarial platform expertise, and strong communication skills.
Gusto
San Francisco, CALead AV Engineer owning multi-site audiovisual standards, infrastructure, event production, and the Zoom-to-Google Meet migration. The role requires 8+ years of AV engineering experience, deep control/audio/video expertise, and strong live-event and vendor leadership.