Compliance Risk & Controls Manager, Unsecured Line

Upstart

35d•$145,100 - $201,100•Remote

About The Position

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.

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
Experience developing audit-ready documentation, controls, and compliance processes

Nice To Haves

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 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
Self-starter who builds structure and process without waiting to be told what's missing, with fluency in GenAI tools to accelerate documentation and research

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.

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)