Qualification

Experience leading analystsRisk or compliance certification

8+ years of experience in business-line credit risk, loan quality, asset-backed or secured lending operations, or first-line model governance supporting secured or asset-backed consumer lending products.
Experience with loan-level quality review, loan salability oversight, Capital Markets or investor delivery, repurchase or put-back risk, bank partner audits, collateral documentation review, or pre-sale quality control in a regulated lending environment.
Experience monitoring portfolio performance and asset quality indicators across multiple origination channels, including early payment default, delinquency, prepayment, loss severity, non-performing loan trends, credit policy exceptions, threshold breaches, or channel-level pricing and fair lending patterns.
Experience with first-line model oversight, production model monitoring, model implementation governance, model inventory documentation, or model performance escalation processes.
Experience partnering with Capital Markets, investors, bank partners, or funding teams to evaluate loan eligibility, resolve delivery exceptions, interpret investor requirements, and mitigate repurchase, put-back, or make-whole exposure.
Experience leading analysts, managing a review function, or owning cross-functional loan salability, asset quality, credit, or first-line model governance programs.

Familiarity with auto indirect or dealer channel lending dynamics, including pricing discretion, dealer markup, and fair lending considerations relevant to indirect origination channels; ability to partner with fair lending oversight functions to interpret and escalate channel-level findings.
Knowledge of secured lending and secondary-market quality expectations, including exposure to first mortgage or asset-backed lending frameworks such as investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, and repurchase or make-whole risk.
Knowledge of consumer lending and fair lending requirements relevant to secured products, including Equal Credit Opportunity Act/Regulation B, Unfair, Deceptive, or Abusive Acts or Practices, Fair Credit Reporting Act, TILA/Regulation Z, dealer markup oversight, adverse action, or credit decisioning controls.
Ability to evaluate production model execution, validation outputs, fair lending review outputs, underwriting accuracy, pricing consistency, and performance trends against approved thresholds.
Skilled in producing exam-ready policy documents, governance materials, issue tracking, executive summaries, and bank partner reporting.
Risk or compliance certification, such as Certified Regulatory Compliance Manager, Financial Risk Manager, or equivalent credential.
Position location This role is available in the following locations: Remote

Senior Engineering Manager, Borrower Experience at Upstart · LumiJobs

Senior Engineering Manager, Borrower Experience