Upstart

Assistant General Counsel - HELOC

United States | Remote

Sponsorship not specified$239k-$331kDetected 11 days ago

SparkA/B TestingProduct ManagementCadenceLeadership

About the role

Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
But the numbers only hint at the impact.
Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

Responsibilities

Provide strategic legal counsel to Product, Engineering, Risk, Compliance, and Operations teams to support Upstart's HELOC product and transition from a state-licensed lender to a national bank.
Partner with cross-functional stakeholders to design compliant product features, customer experiences, operational processes, and servicing capabilities.
Lead legal support for new product initiatives, regulatory change management, and market expansion efforts related to home lending.
Collaborate across the Product & Regulatory Legal team and with other legal teams, including lawyers supporting Privacy, Fair Lending, Capital Markets and Commercial contracts, as needed.
Develop practical legal frameworks, policies, and guidance that enable business growth while appropriately managing legal and regulatory risk.
Collaborate with internal and external stakeholders, including regulators, bank partners, and outside counsel, on legal matters affecting the HELOC business.
Identify and communicate key legal risks to business partners; ability to distill complex legal matters and risks for senior leadership in a clear and actionable manner, synthesizing complex concepts into concise recommendations.
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.
And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you'll have the support to work in the way that works best for you.

Requirements

Juris Doctor (JD) degree from an accredited law school and active membership in at least one U.S. state bar.
Deep expertise in consumer financial services laws and mortgage regulations, including TILA, RESPA, ECOA, FCRA, HMDA, UDAAP, and applicable state lending and federal banking laws.
Experience advising cross-functional product development teams and supporting the launch or expansion of regulated financial products.

Nice to have

Experience supporting HELOC, mortgage, or other secured lending products throughout the full product lifecycle.
Experience managing regulatory examinations, enforcement matters, or interactions with federal and state regulators.
Familiarity with AI-enabled financial products, digital lending platforms, or emerging regulatory developments affecting financial technology.
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.

Skills

Individual pay is also determined by job-related skills, experience, and relevant education or training.

Compensation

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.
United States | Remote - Anticipated Base Salary Range
$239,200 - $331,000 USD

Benefits

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

Company info

Upstart's Product & Regulatory Legal team partners closely with Product, Engineering, Compliance, Risk, and Operations to enable responsible innovation across our lending products.
As Upstart expands its product offerings, the team plays a critical role in helping bring new products and capabilities to market while ensuring compliance with complex federal and state regulatory requirements.
As an Assistant General Counsel with the Product & Regulatory Legal team, you will play a key role in providing legal support for HELOC, and the potential development of new real estate secured products.
You will be part of a larger team that also supports Upstart's unsecured and auto-secured lending products.
As the Assistant General Counsel, HELOC at Upstart, reporting into the Product & Regulatory Legal team,, you will serve as the primary legal partner for our Home Equity Line of Credit (HELOC) product.
You will work cross-functionally to provide strategic legal guidance throughout the product lifecycle, helping the business launch and scale innovative home lending solutions while effectively managing legal and regulatory risk.
Provide legal counsel and advice on future products, which may include purchase-money mortgages.
Advise on federal and state consumer lending laws, mortgage regulations, and regulatory developments that impact home lending products and services.

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This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.