Upstart · 16 hours ago
Director of Product Compliance
United States
Full-time
Remote
Senior Level, Lead/Staff
$195K/yr - $270K/yr
8+ years expUpstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for all Americans. The Director of Product Compliance will provide legal guidance for new products and marketing initiatives, ensuring compliance with regulations and enhancing the compliance framework.
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
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
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
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
2026-01-23
Business Wire
2026-01-22
The Motley Fool
2026-01-03
Company data provided by crunchbase