Assistant General Counsel, Product & Regulatory

R-6790
Legal Group

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Role: As the Assistant General Counsel, Product & Regulatory Legal you will play a key role in providing legal guidance in supporting Upstart’s product and marketing initiatives, as well as in developing new products and features to serve the personal loan, open line of credit, small dollar loan and auto refinance market. How you’ll make an impact: Strategic Legal Leadership & Team Management

Lead and develop a team of attorneys and legal professionals within the Product & Regulatory Legal Team, fostering a culture of accountability, collaboration and professional growth
Serve as the primary legal advisor for origination-related matters, guiding the product and marketing teams through complex legal and regulatory considerations
Act as a key escalation point for the legal team, ensuring issues are efficiently triaged and resolved, and provide timely, business-oriented recommendations

Product & Regulatory Counsel

Provide strategic legal counsel on product development, marketing, and customer onboarding for personal loan, small dollar loan, open line of credit, and auto refinance products offered through Upstart’s bank partnership platform
Conduct and oversee legal research and analysis on federal and state consumer finance laws, developing practical requirements documentation and compliant marketing and origination frameworks
Monitor industry trends, regulatory changes, and enforcement developments to proactively advise business leaders on risk and opportunity areas

Cross-Functional Partnership

Partner with Product, Growth, Risk, and Compliance to design compliant and customer-friendly financial products and online experiences
Collaborate across legal teams—including lawyers supporting Privacy, Fair Lending, Capital Markets, and Commercial areas—to support enterprise-wide initiatives
Build and maintain trusted relationships with internal stakeholders, influencing product and marketing strategies with sound, business-oriented legal guidance

Legal Risk Identification and Management

Advise on disputes and issues escalated from the Compliance team, particularly those related to marketing or loan origination practices
Identify and communicate key legal risks to business partners; ability to distill complex legal matters and risks for senior leadership in a clear and actionable manner, synthesizing complex concepts into concise recommendations

Minimum Qualifications

J.D. degree with superior academic credentials and a state bar membership;
At least 10+ years of experience in a top-tier law firm, government, in-house legal department,

and/or fintech/startup experience with at least 5 years focused on marketing and consumer loan origination;

In-depth knowledge of federal

and state open and closed end consumer lending and consumer protection laws including FCRA, TILA, ECOA, GLBA, UDAAP, EFTA ESIGN FDCPA bankruptcy AML/BSA servicing/debt collection laws;

Experience with marketing bank partnership programs personal loans small dollar lending auto refinance loans open lines of credits;
Strong communication skills with a demonstrated ability to effectively proactively provide quick concise practical legal advice involving competing interests.

Preferred Qualifications

Experience with use of AI in providing solid legal advice developing team efficiencies
Experience with loan servicing debt collection data privacy security auto retail lending/retail installment sales contracts;
Vendor management vendor contract negotiation experience;
State licensing exam experience.

Position location: This role is available in the following locations: Remote, San Mateo CA Columbus OH Time zone requirements: The team operates on the East/West coast time zones. Travel requirements: As a digital first company majority of your work can be accomplished remotely. The majority of our employees can live work anywhere in the U.S but are encouraged to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on team role; most teams meet once or twice per quarter for 2–4 consecutive days at a time. What you'll love:

Competitive Compensation (base + bonus & equity)
Comprehensive medical dental vision coverage with Health Savings Account contributions from Upstart
401(k) with 100% company match up to $4,50 immediate vesting after-tax savings
Employee Stock Purchase Plan (ESPP)
Life disability insurance
Generous holiday vacation sick safety leave
Supportive parental family care military leave programs
Annual wellness technology ergonomic reimbursement programs
Social activities including team events onsites all-company updates employee resource groups (ERGs) other interest groups such as book clubs fitness investing volunteering
Catered lunches + snacks & drinks when working in offices

LI-REMOTE

LI-Director --> use for L7

LI-Executive --> use for L8+

At Upstart your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location013with our 2digital first2 philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills experience relevant education or training. Your recruiter can share more about specific salary range for your preferred location during hiring process. In addition Upstart provides employees target bonuses equity compensation generous benefits packages (including medical dental vision 401k). United States | Remote - Anticipated Base Salary Range $227, 600013315, 000 USD Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all we are committed to inclusive fair hiring practices. If you require reasonable accommodation in completing an application interviewing completing any pre-employment testing or otherwise participating in employee selection process please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy Apply now!