Compliance Risk & Controls Manager, Unsecured Line

About the role

The Compliance Risk & Controls Manager, Unsecured Line at Upstart will lead key compliance workstreams supporting Upstart's unsecured line of credit product. This is a First Line of Defense (1LOD) role, embedded within and partnering closely with the Product and Engineering business lines.

Responsibilities

• 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.

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
• 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