Product Quality Manager

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across origination, servicing, and collections, including pre-close and post-close reviews, compliance testing, denied/withdrawn application reviews, investor defect analysis, and non-performing loan reviews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