About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026).
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team:
Upstart’s Compliance organization plays a mission-critical role in enabling responsible innovation, protecting consumers, and supporting Upstart’s long-term growth. The Product Compliance team ensures that new and existing products—including and governance of a new, innovative unsecured lending product. You will serve as the primary compliance advisor to Product, Engineering, Operations, and executive leadership—ensuring Upstart’s products meet or exceed regulatory standards while supporting differentiated user experiences. You will act as a strategic partner shaping compliance strategy, policy development, and risk management across the product lifecycle.
If you are excited by influencing product architecture, designing scalable compliance solutions, and building trusted relationships across a fast-moving fintech, this role is for you.
How you’ll make an impactProgram Ownership & Regulatory GovernanceOwn and continuously enhance the product compliance framework including policies, procedures, and control design spanning marketing, origination, underwriting, servicing, collections, and credit reporting.Lead regulatory readiness by conducting risk assessments, gap analyses, and designing first-line scalable controls across technical and operational workflows.Develop key risk indicators (KRIs), metrics, and dashboards to provide insight into compliance health to executive leadership and the Board.
Cross-Functional Influence & Stakeholder ManagementAct as a senior advisor to Product, Engineering, Ops, Legal, and Machine Learning teams—driving alignment across stakeholders while balancing customer experience, business needs, and regulatory expectations.Influence organizational decisions through clear, compelling communication of compliance risks, trade-offs, and recommendations.Represent Compliance in governance forums, product councils, and cross-functional initiatives.
Operational Excellence & Issue ManagementOversee root-cause analyses and remediation plans for compliance issues, ensuring durable fixes and strengthened controls.Partner with Legal, Internal Audit, and external regulatory exam teams to support audits, examinations, and responses to regulatory inquiries.Lead the development and delivery of scalable, role-based compliance training for impacted cross-functional partners.
Team Building & LeadershipChampion a compliance-first mindset across the company, driving early engagement and proactive risk identification.
Minimum Qualifications
- Bachelor’s degree
- 8+ years of experience in consumer lending, fintech, regulatory compliance, risk management, or financial services law, with deep expertise in unsecured credit products
- Expert knowledge of federal and state consumer lending laws and regulations, including TILA, ECOA, FCRA, FDCPA, EFTA, UDAAP, SCRA, MLA, Reg Z, Reg X, TCPA, NACHA, state-level lending and servicing laws, and unsecured credit considerations
- Proven experience advising on and launching/expanding technology-enabled lending or fintech products, ideally in a fast-paced, high-scale environment
- Demonstrated ability to partner with senior leaders and influence strategic decisions
Preferred Qualifications
- Experience designing compliance controls for digital product flows, automated decisioning, and novel risk models
- Exceptional communication, executive presence, and stakeholder-management skills across technical and non-technical teams
- Proven ability to lead through ambiguity, drive organizational alignment, and manage competing priorities
Strong problem-solving skills and business judgment, with a bias toward practical, risk-aligned solutions - JD, CRCM, or other advanced compliance certifications are a plus
Position location: This role is available in the following locations: Remote
Time zone requirements: The team operates on the East/West coast time zones.
Travel requirements: As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-Director --> use for L7
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
https://www.upstart.com/candidate_privacy_policy
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