Compliance Risk & Controls Manager, Unsecured Line
Lead compliance workstreams for Upstart's unsecured line of credit product as a 1LOD embedded partner to Product, Engineering, Legal, and Risk. Translate regulations into product solutions, build audit-ready controls and documentation, and drive cross-functional initiatives for launches and scaling.
About the job
How you’ll make an impact
- 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.
Minimum Qualifications
- 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
Preferred Qualifications
- 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
Skills
Fcra, Regulation V, Regulation Z, Tila, Regulation E, Confluence, Jira, Generative AI
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