Lead Compliance & Controls – Unsecured Lending (Remote)

Upstart; United States; On-site; USD 145,100 - 201,100; Full time

Benefits offered by this job

Competitive compensation

401(k) match

Employee ESPP

Health coverage (medical, dental, vis​

HSA contributions

Life and disability insurance

Paid time off

Parental leave

ERGs

Job summary

Upstart is hiring a Compliance Risk & Controls Manager for its unsecured line of credit. You’ll lead end-to-end compliance workstreams, translating regulatory requirements into practical product and operational solutions while partnering with Product, Engineering, Legal, and Risk teams to ensure scalable, compliant delivery.

You will develop audit-ready documentation, drive governance, and monitor risks to support product launches and enhancements with a strong focus on 1LOD controls.

Qualifications

• 5+ years of product compliance or risk experience with unsecured consumer lending.
• Experience interpreting consumer lending regulations, including FCRA/Regulation V and credit furnishing requirements.
• Experience leading compliance workstreams supporting product launches or major product enhancements.
• Experience partnering cross‑functionally with Product, Engineering, Legal, and Risk teams.
• Experience developing audit‑ready documentation, controls, and compliance processes.

Responsibilities

• Lead end-to-end compliance workstreams supporting Upstart’s unsecured line of credit product, including customer disclosures, periodic statements, change‑in‑terms communications, error resolution requirements, and credit reporting readiness.
• Partner closely with Product, Engineering, Legal, and Risk teams to interpret regulatory requirements and incorporate compliant, customer‑focused solutions into product design and implementation.
• Develop and maintain clear, audit‑ready documentation, controls, and governance processes that support internal reviews, partner oversight, and regulatory examinations.
• Drive cross‑functional compliance initiatives from planning through implementation, coordinating stakeholders and ensuring business readiness for product launches and enhancements.
• Monitor compliance‑related risks, identify opportunities to strengthen processes and controls, and recommend practical solutions that enable the business to scale responsibly.
• Foster a culture of ownership and collaboration by sharing compliance expertise, supporting cross‑functional decision‑making, and helping teams navigate regulatory considerations with confidence.

Skills

Regulatory compliance

FCRA/Regulation V

Product risk

Cross-functional collaboration

Audit-ready documentation

Regulation Z (TILA)

Tools

Confluence

Jira

Job description

Upstart is hiring a Compliance Risk & Controls Manager for its unsecured line of credit. You’ll lead end-to-end compliance workstreams, translating regulatory requirements into practical product and operational solutions while partnering with Product, Engineering, Legal, and Risk teams to ensure scalable, compliant delivery.

You will develop audit-ready documentation, drive governance, and monitor risks to support product launches and enhancements with a strong focus on 1LOD controls.