Remote Compliance Risk & Controls Manager - Unsecured Line

Upstart; Northern (KY); Hybrid; USD 145,000 - 201,000; Full time

Benefits offered by this job

401(k)

Equity grants

ESPP

Medical coverage

Dental coverage

Vision coverage

Wellness allowance

Productivity allowance

Onsite lunches

Job summary

Upstart is seeking a Compliance Risk & Controls Manager, Unsecured Line, to lead end-to-end compliance workstreams for our unsecured line of credit product. You will translate regulatory requirements into practical product and operational solutions, partnering with Product, Engineering, Legal, and Risk.

This is a 1LOD role embedded in the Product and Engineering teams, building scalable documentation, controls, and governance to support launches, regulatory exams, and ongoing compliance in a

Qualifications

• 5+ years of product compliance or risk experience supporting unsecured consumer lending products.
• Experience interpreting and applying 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

Product compliance

Risk management

Regulatory interpretation

Cross-functional collaboration

Documentation & controls

Tools

Confluence

Jira

Job description

Upstart is seeking a Compliance Risk & Controls Manager, Unsecured Line, to lead end-to-end compliance workstreams for our unsecured line of credit product. You will translate regulatory requirements into practical product and operational solutions, partnering with Product, Engineering, Legal, and Risk.

This is a 1LOD role embedded in the Product and Engineering teams, building scalable documentation, controls, and governance to support launches, regulatory exams, and ongoing compliance in a