Upstart

Compliance Risk & Controls Manager, Unsecured Line

United States | Remote

Sponsorship not specified$145k-$201kDetected 12 days ago

SparkA/B TestingComplianceProduct ManagementJiraConfluenceCadenceResearchCommunicationCollaboration

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

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.
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

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

Nice to have

Knowledge of Regulation Z (TILA), Regulation E, and regulations governing open-end consumer credit
Experience supporting bank partnership or bank-readiness programs
Experience using collaboration and workflow management tools such as Confluence and Jira
Direct, hands-on experience working on unsecured lending products themselves (lines of credit) - not just familiarity with the regulations that govern them
Strong analytical rigor and attention to detail - reasons through ambiguous regulatory questions rather than defaulting to a checklist, especially under bank-readiness deadline pressure
Ability to translate regulatory requirements into practical guidance for product and engineering teams

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
$145,100 - $201,100 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 Compliance Risk team partners closely with Product, Engineering, Legal, and Risk to build compliance into every stage of the product lifecycle.
The team helps deliver innovative lending products while ensuring they meet regulatory requirements and provide a positive customer experience.
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, Unsecured Line at Upstart, you will lead key compliance workstreams supporting our unsecured line of credit product, partnering cross-functionally to translate regulatory requirements into practical product and operational solutions.
This is a First Line of Defense (1LOD) role, embedded within and partnering closely with the Product and Engineering business lines - distinct from Upstart's Second Line of Defense (2LOD) Compliance/Risk oversight functions.
You'll help build scalable compliance processes, documentation, and controls that support product launches, operational readiness, and ongoing regulatory compliance while serving as a trusted partner to Product, Engineering, Legal, and Risk.
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.
As a digital first company, the majority of your work can be accomplished remotely.
Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers.

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