Product Quality Manager
About the role
About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
About the Team
Upstart’s Secured Lending Quality team is responsible for building and operating the first line of defense quality control program across Upstart’s secured lending products, including Home Lending and Auto Lending. The team ensures loans meet high standards for accuracy, compliance, and salability through a multi-layered quality framework spanning origination, servicing, collections, and non-performing loan monitoring. The team operates independently from production management, providing credible challenges to the business while using AI-powered technology to deliver scalable, examination-ready quality assurance.
Your 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across origination, servicing, and collections, including pre-close and post-close reviews, compliance testing, denied/withdrawn application reviews, investor defect analysis, and non-performing loan reviews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, cu