Lead Legal Counsel - HELOC

About Upstart

At Upstart, we are 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 3,000 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 are 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 are energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

Upstart’s Product & Regulatory Legal team partners closely with Product, Engineering, Compliance, Risk, and Operations to enable responsible innovation across our lending products. As Upstart expands its product offerings, the team plays a critical role in helping bring new products and capabilities to market while ensuring compliance with complex federal and state regulatory requirements. As an Assistant General Counsel with the Product & Regulatory Legal team, you will play a key role in providing legal support for HELOC, and the potential development of new real estate secured products.

You will be part of a larger team that also supports Upstart’s unsecured and auto-secured lending products.

At Upstart, you will serve as the primary legal partner for our Home Equity Line of Credit (HELOC) product. You will work cross-functionally to provide strategic legal guidance throughout the product lifecycle, helping the business launch and scale innovative home lending solutions while effectively managing legal and regulatory risk.

• Provide strategic legal counsel to Product, Engineering, Risk, Compliance, and Operations teams to support Upstart's HELOC product and transition from a state-licensed lender to a national bank.
• Advise on federal and state consumer lending laws, with a particular focus on secured lending products, mortgage regulations, and regulatory developments that impact home lending products and services.
• Provide legal counsel and advice on future products, which may include purchase-money mortgages.
• Partner with cross-functional stakeholders to design compliant product features, customer experiences, operational processes, and servicing capabilities.
• Lead legal support for new product initiatives, regulatory change management, and market expansion efforts related to home lending.
• Collaborate across the Product & Regulatory Legal team and with other legal teams, including lawyers supporting Privacy, Fair Lending, Capital Markets and Commercial contracts, as needed.
• Collaborate with internal and external stakeholders, including regulators, bank partners, and outside counsel,…