Upstart · 1 day ago
Director of Product Compliance
United States
Full-time
Remote
Senior Level, Lead/Staff
$195K/yr - $270K/yr
8+ years expUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The Director of Product Compliance will serve as the primary compliance advisor, ensuring that Upstart’s products meet regulatory standards while supporting user experiences, and will be responsible for shaping compliance strategy and managing risk across the product lifecycle.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Own and continuously enhance the product compliance framework including policies, procedures, and control design spanning marketing, origination, underwriting, servicing, collections, and credit reporting
Lead regulatory readiness by conducting risk assessments, gap analyses, and designing first-line scalable controls across technical and operational workflows
Develop key risk indicators (KRIs), metrics, and dashboards to provide insight into compliance health to executive leadership and the Board
Act as a senior advisor to Product, Engineering, Ops, Legal, and Machine Learning teams—driving alignment across stakeholders while balancing customer experience, business needs, and regulatory expectations
Influence organizational decisions through clear, compelling communication of compliance risks, trade-offs, and recommendations
Represent Compliance in governance forums, product councils, and cross-functional initiatives
Oversee root-cause analyses and remediation plans for compliance issues, ensuring durable fixes and strengthened controls
Partner with Legal, Internal Audit, and external regulatory exam teams to support audits, examinations, and responses to regulatory inquiries
Lead the development and delivery of scalable, role-based compliance training for impacted cross-functional partners
Champion a compliance-first mindset across the company, driving early engagement and proactive risk identification
Qualification
Required
Bachelor's degree
8+ years of experience in consumer lending, fintech, regulatory compliance, risk management, or financial services law, with deep expertise in unsecured credit products
Expert knowledge of federal and state consumer lending laws and regulations, including TILA, ECOA, FCRA, FDCPA, EFTA, UDAAP, SCRA, MLA, Reg Z, Reg X, TCPA, NACHA, state-level lending and servicing laws, and unsecured credit considerations
Proven experience advising on and launching/expanding technology-enabled lending or fintech products, ideally in a fast-paced, high-scale environment
Demonstrated ability to partner with senior leaders and influence strategic decisions
Preferred
Experience designing compliance controls for digital product flows, automated decisioning, and novel risk models
Exceptional communication, executive presence, and stakeholder-management skills across technical and non-technical teams
Proven ability to lead through ambiguity, drive organizational alignment, and manage competing priorities
Strong problem-solving skills and business judgment, with a bias toward practical, risk-aligned solutions
JD, CRCM, or other advanced compliance certifications are a plus
Benefits
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP)
Life and disability insurance
Generous holiday, vacation, sick and safety leave
Supportive parental, family care, and military leave programs
Annual wellness, technology & ergonomic reimbursement programs
Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
The Motley Fool
2026-01-03
The Motley Fool
2026-01-01
2025-12-17
Company data provided by crunchbase