Lending Quality Assurance Analyst

Job Description

Job Description

About Figure

Figure (NASDAQ: FIGR) is transforming capital markets through blockchain. We're proving that blockchain isn't just theory - it's powering real products used by hundreds of thousands of consumers and institutions.

By combining blockchain's transparency and efficiency with AI-driven automation, we've reimagined how loans are originated, funded, and traded in secondary markets. From faster processing times to lower costs and reduced bias, our technology is helping borrowers, investors, and financial institutions achieve better outcomes.

Together with our 170+ partners, we've originated over $22 billion in home equity loans (HELOCs) on our blockchain-native platform, making Figure the largest non-bank provider of home equity financing in the U.S. Figure's ecosystem also includes YLDS, an SEC-registered yield-bearing stablecoin that operates as a tokenized money market fund, and several other products and platforms that are reshaping consumer finance and capital markets.

We're proud to be recognized as one of Forbes' Most Innovative Fintech Startups in 2025 and Fast Company's Most Innovative Companies in Finance and Personal Finance.

About the Role

We're looking for a high-performing, analytical, data-driven Quality Assurance (QA) Analyst to join our growing team! In this role, you will partner cross-functionally and help lead the pre-closing QA function in delivering a best-in-class product and customer experience.

What You'll Do

• Perform Quality Assurance reviews on Figure's lending products, such as HELOCs and DSCR loans
• Assist with monthly QA/QC reporting, data analysis, and defect trending within QA/QC software and tools
• Recommend underwriting and change-management enhancements based on QA audit results and industry/investor product changes
• Underwrite Figure loan files for income calculations, assets, red flags, credit, and collateral.
• Review file data integrity and identify defects in the loan production process
• Perform credit analysis, ensuring all loans meet agency and investor eligibility
• Review pre-closing loan documents to ensure compliance with all Federal, State, and local compliance requirements and regulations
• Work closely with Lending Operations on trending defects and remediation

What We Look For:

• 5+ years of quality assurance, loan processing, or related experience in mortgage lending
• Experience with DSCR loans
• Underwriting experience is a plus
• Bachelor's Degree
• Ability to handle several projects at once while staying organized, detail-oriented, and diligent
• Ability to work effectively across functions to achieve common goals
• Strong communication skills - ability to articulate verbally and in writing, plans, processes, policies, and issues to stakeholders
• Ability to thrive in a fast-paced startup environment
• Experience navigating and applying Fannie Mae conforming, and investor and aggregator and non-conforming underwriting guidelines
• Competency in, and understanding of investor, rating agency, and third-party review requirements
• Knowledge regarding federal and multi-state regulations impacting the mortgage industry a plus
• Strong analytical skills, attention to detail, and time management
• Ability to handle multiple assignments in a high-production, timeline-sensitive environment with minimal supervision
• Excellent verbal and written communication
• Proficient in Microsoft Office products, especially Excel, as well as QA testing software

Salary

• Base Compensation Range: $72,160 - $108,240/yr
• 25% annual bonus target, paid quarterly
• Company equity in the form of RSUs

This is the compensation range for the role in the United States. Actual compensation may vary based on a candidate's experience, skills, location, internal equity, and evolving business needs. While most offers are generally made within the middle of the range, final compensation is determined based on the factors above.

Benefits

• Comprehensive medical, dental, and vision coverage, with 100% employer-paid premiums for employees and their dependents on select plans
• Company HSA, FSA, Dependent Care FSA, 401(k), and commuter benefits
• Employer-paid life and disability insurance
• 11 observed holidays and PTO plan
• Up to 12 weeks of paid family leave
• Continuing education reimbursement

Depending on your residential location certain laws might regulate the way Figure manages applicant data. California Residents, please review our California Employee and General Workforce Privacy Notice for further information. By submitting your application, you are agreeing and acknowledging that you have read and understand the above notice.

Figure will not sponsor work visas for this position. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire.

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