Compliance Risk & Controls Manager, Upstart

• 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

Desirable

• 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
• 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