Senior Product and Regulatory Counsel, Upstart

• J.D. degree with superior academic credentials and a state bar membership
• At least 5+ years of experience in a top-tier law firm, government, in-house legal department, and/or fintech/startup experience with at least 3-4 years experience in marketing and loan origination
• In-depth knowledge of federal and state open and closed end consumer lending and consumer protection laws, including FCRA, TILA, ECOA, GLBA, UDAAP, EFTA, ESIGN, FDCPA, bankruptcy, AML/BSA, and servicing/debt collection laws
• Experience with marketing, bank partnership programs, personal loans, small dollar lending, auto refinance loans, and open lines of credits; and
• Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice involving competing interests

Desirable

• Upstart’s Product and Regulatory Legal team provides enterprise-wide legal guidance in the areas of product development, marketing, fair lending, data privacy/security, as well as licensing and regulatory matters
• The team works cross functionally in a fast-paced environment that requires strong collaboration skills
• Members of the product regulatory legal team value clear communication, organization, and an enthusiasm to take on new challenges and changing priorities
• As a Product and Regulatory Counsel at Upstart, you will play a key role in providing legal guidance supporting Upstart’s marketing initiatives, as well as developing new products and features to serve the personal loan, open line of credit, small dollar loan, and auto refinance market
• You'll serve as a core member on the marketing and customer onboarding teams that supports the personal loan, small dollar loan, open line of credit, and auto refinance products offered through Upstart’s bank partnership platform
• Perform legal research and provide practical legal guidance cross functionally on the application of state and federal law governing various consumer financial products offered via Upstart’s platform, including developing legal analyses and requirements documents for marketing campaigns and loan origination
• Advise cross functional teams on consumer product designs for online experiences
• Provide guidance on disputes and issues escalated from the Compliance team, such as those related to marketing and loan origination
• Monitor industry specific legal issues to advise internal stakeholders on strategies to keep Upstart's marketing content and products compliant with all applicable laws
• Work across the Product and Regulatory Legal and other legal teams to assist others on the team with various projects involving servicing/debt collection, privacy/data security, licensing, fair lending, vendor contract negotiations, and capital markets contract negotiations; and
• Build strong, trusted relationships within the marketing and customer onboarding teams and across the organization