Product Quality Manager – Unsecured Lending

This is a fully remote position, open to applicants in United States.

📋 Description

• Oversee testing for designated regulatory areas from planning through to reporting, establishing risk-based coverage, sampling methods, test scripts, and documented conclusions.

• Determine testing priorities and timelines while coordinating the work of testers.

• Convert regulatory requirements into testable attributes and criteria; revise scripts and coverage as regulations or products evolve.

• Facilitate control design walkthroughs across systems, teams, and third-party entities.

• Assess lending controls throughout origination, servicing, and collections; pinpoint systemic gaps and escalate findings supported by evidence.

• Collaborate with Engineering on automated and AI-assisted monitoring requirements, validating rule logic, testing populations, outputs, and identifying missed exceptions.

• Conduct validation after modifications to products or processes; review and reperform testers’ work, ensuring consistent methodologies and audit-ready documentation.

• Transform findings and root causes into actionable recommendations and drive remediation with Product, Operations, Compliance, Legal, and Risk teams.

• Assist with second-line testing and Internal Audit evaluations.

• Enhance the oversight program and mentor other testers while responsibly utilizing approved AI tools.

⛳️ Requirements

• Bachelor’s degree or equivalent practical experience.

• Over 5 years of experience in compliance testing, quality control or assurance, internal audit, or regulatory examination in consumer lending.

• Proficient in independently designing and executing end-to-end quality or compliance testing for consumer lending products, systems, or transactions.

• Experience in developing and implementing risk-based sampling methods, standardized testing criteria, and documented conclusions in accordance with consumer financial regulations such as TILA/Reg Z, ECOA/Reg B, FCRA, EFTA/Reg E, FDCPA/Reg F, or UDAAP.

• Skilled in analyzing testing populations, control results, or automated monitoring outputs to evaluate completeness and identify exceptions.

• Knowledgeable about automated lending platforms, digital lending products, or credit decisioning systems.

• Experience in quality oversight for unsecured installment loans or lines of credit.

• Familiarity with designing or validating automated or AI-assisted quality monitoring, including checks for missed exceptions.

• Ability to influence cross-functional remediation efforts and communicate control assessments to stakeholders with diverse expertise.

• Certified Regulatory Compliance Manager (CRCM) or a similar compliance certification.

🏝️ Benefits

• Competitive compensation, which includes base pay, bonus opportunities, and annual equity grants that vest quarterly.

• 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.

• Employee Stock Purchase Plan (ESPP) offering discounted stock purchase options for eligible employees (US only).

• Comprehensive medical, dental, vision, and wellness resources for US employees; supplemental health coverage available for Canada.

• Contributions to Health Savings Accounts for eligible US plans.

• Life insurance and disability coverage.

• Paid time off, sick leave, and company holidays.

• Paid family and parental leave.

• Benefits supporting fertility, parenthood, and caregiving.

• Employee Assistance Program (EAP) providing mental health support and life-centered resources.

• Financial planning tools and concierge service (US only).

• Annual wellness allowance.

• Annual productivity allowance for essential work tools and resources.

• Team events, all-company updates, and employee resource groups (ERGs).

• Catered lunches and stocked micro-kitchens available at offices in the Bay Area, Austin, Columbus, and New York City.