Product Quality Associate Manager, Unsecured Lending

Upstart’s Product Quality Oversight team builds and operates the first line of defense quality oversight program for unsecured lending, including personal loans, small-dollar loans, and cash line. The team assesses whether lending decisions, disclosures, customer-facing workflows, and servicing outputs operate as intended and meet regulatory and internal policy requirements.

As the Product Quality Associate Manager, Unsecured Lending at Upstart, you will execute risk-based quality testing across the lending lifecycle and help strengthen controls as the program expands. You’ll document reliable testing evidence, investigate exceptions, and support the shift from manual checks to validated automated monitoring. This is an individual contributor role.

How you’ll make an impact

• Execute manual and automated quality tests for assigned regulatory areas, following established test scripts and sampling approaches, evaluating disclosures, lending decisions, and customer-facing workflows against regulatory requirements and internal policies.
• Build and validate testing populations and samples, document test steps and evidence, and maintain workpapers that another reviewer can reperform.
• Take part in design walkthroughs for assigned tests, asking whether each control would actually catch the error being tested, and raise design concerns to the Product Quality Manager.
• Analyze testing exceptions to distinguish isolated errors from potential systemic gaps; classify exceptions using the program's severity ratings, document root causes, escalate findings, and support follow-up validation.
• Recognize when a requirement or result isn’t clear-cut, document the question, and escalate for Compliance or Legal interpretation rather than forcing a conclusion.
• Reperform automated monitoring checks and validate results after system or process changes, including reviewing whether monitoring missed relevant exceptions.
• Partner with Product, Engineering, Operations, Compliance, Legal, and Risk to communicate findings and identify improvements to processes and controls.
• Use approved AI tools to support testing research or draft test steps, verifying outputs against source requirements and protecting customer information.

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