About Upstart

At Upstart, we're united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that's both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers.

We're proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive.

The Team

Upstart's Product Compliance Risk team partners closely with Product, Engineering, Legal, and Risk to build compliance into every stage of the product lifecycle. This role will focus on Upstart's unsecured line of credit product, helping establish the compliance framework that enables the product to scale responsibly.

As the Compliance Risk & Controls Manager, you will lead key compliance workstreams, partnering cross-functionally to translate regulatory requirements into practical product and operational solutions. This is a First Line of Defense (1LOD) role.

How you'll make an impact

Lead end-to-end compliance workstreams supporting our unsecured line of credit product, including customer disclosures, periodic statements, change-in-terms communications, error resolution, and credit reporting.
Partner closely with Product, Engineering, Legal, and Risk teams to incorporate compliant, customer-focused solutions into product design.
Develop and maintain clear, audit-ready documentation, controls, and governance processes.
Drive cross-functional compliance initiatives from planning through implementation.
Monitor compliance-related risks, identify opportunities to strengthen processes, and recommend practical solutions.
Foster a culture of ownership and collaboration by sharing compliance expertise.

Minimum 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 enhancements.
Experience partnering cross-functionally with Product, Engineering, Legal, and Risk teams.
Experience developing audit-ready documentation, controls, and compliance processes.

Preferred Qualifications

Knowledge of Regulation Z (TILA), Regulation E, and regulations governing open-end consumer credit.
Ability to translate regulatory requirements into practical guidance for product and engineering teams.
Experience supporting bank partnership or bank-readiness programs.
Skills in building scalable compliance documentation and governance frameworks.
Experience using collaboration and workflow management tools such as Confluence and Jira.
Direct, hands-on experience working on unsecured lending products (lines of credit).
Strong analytical rigor and attention to detail.
Self-starter with fluency in GenAI tools to accelerate documentation and research.

Location and Compensation

Location: Remote (U.S.)
Anticipated Base Salary Range: $145,100 - $201,100 USD

What you'll love

At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth, including:

Competitive compensation (base, bonus, and equity).
Robust retirement benefits with company match.
Comprehensive health coverage (medical, dental, vision).
Paid time off, sick leave, and parental leave.
Financial wellness resources and annual wellness/productivity allowances.
Connection and community through team events and ERGs.

Upstart is a proud Equal Opportunity Employer. If you require reasonable accommodation, please email [email protected].

Compliance Risk & Controls Manager, Unsecured Line

Job summary

Work model