Compliance & Controls Associate, Auto Servicing

R-00115
Risk & Compliance Department

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Our Compliance team plays a critical role in mitigating risk and protecting Upstart's growth and success. As a Compliance & Controls Associate supporting Auto Servicing, you'll lead key compliance workstreams supporting auto lending partnering cross functionally to translate regulatory requirements into practical product and operational solutions. This role will help build and operate the First Line of Defense (1LOD) control environment for servicing, repossession, recovery, and dealer oversight activities — working to ensure our auto servicing processes are compliant, scalable, and examination-ready as Upstart grows. You'll partner in change, build practical controls, and translate regulatory expectations into durable day-to-day operating practices. You'll develop relationships of trust across the organization so your work is a genuine value-add for the business. If you have consumer-lending compliance experience and share our passion for consumer protection, this could be the role for you. This is a First Line of Defense (1LOD) role,... How you’ll make an impact

Help design,...
Perform duties tied...
Identify compliance issues...
Build... KPIs/KRIs...
Support complaint oversight...
Reduce complex compliance requirements...
Partner closely with Product,...
Serve as an internal advocate...
Prepare reporting...

Minimum Qualifications

5+ years of compliance or regulatory experience in financial services,...
Auto servicing knowledge spanning bankruptcy,...
Demonstrated ability to design,...
Experience working cross-functionally...

Preferred Qualifications

Experience identifying remediation...
Skill simplifying complex compliance work...
Familiarity with program reporting...
Comfort using tools,... GenAI...
Strong communication,... project-management skills...
Self-starter who builds structure... fluency in GenAI tools...
Auto indirect lending experience.

Position location This role is available in: Remote Travel requirements Majority remote with periodic onsite meetings quarterly.

LI-Associate

At Upstart your base pay... expected range $115 ,800—$160 ,100 USD. What you'll love At Upstart our benefits are designed... competitive compensation including base pay bonus opportunities,... retirement benefits including 401(k) match,... employee stock purchase plan,... comprehensive health coverage,... income protection benefits,... paid time off,... family-centered benefits,... employee assistance program,... financial wellness resources,... annual wellness allowance,... annual productivity allowance,... connection through team events,... onsite perks at offices. For roles based in Canada please note no hiring currently in Quebec. Upstart is an Equal Opportunity Employer committed to inclusive hiring. Reasonable accommodation email provided.