Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Secured Lending Quality Manager will lead the quality control execution across secured lending products, ensuring compliance and operational excellence in a fast-paced environment.

Responsibilities

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across origination, servicing, and collections, including pre-close and post-close reviews, compliance testing, denied/withdrawn application reviews, investor defect analysis, and non-performing loan reviews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

Skills

• 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
• 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

Benefits

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• 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 (opening Summer 2026!)

Company Overview