Associate Consumer Lending Jobs in Oregon (NOW HIRING)

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, embedded within and partnering closely with the Product and Engineering business lines - distinct from Upstart's Second Line of Defense (2LOD) Compliance/Risk oversight functions.

How you'll make an impact

• Help design, document, and operate first-line controls across auto servicing, repossession, recovery, and dealer/channel oversight.
• Perform duties tied to auto servicing compliance functions to meet applicable regulatory obligations across loan servicing initiatives and strategies.
• Identify compliance issues and support timely, sufficient remediation - reviewing action plans and documentation tied to event closure.
• Build and maintain monitoring routines, reporting, and metrics (KPIs/KRIs) that surface emerging risk across servicing and related channels.
• Support complaint oversight and translate findings into control and process improvements.
• Reduce complex, judgment-heavy compliance requirements into scalable, technology-friendly requirements that business and engineering teams can execute consistently.
• Partner closely with Product, Engineering, Risk, Legal, Operations and 2LOD Compliance to strengthen business-owned oversight in support of an OCC-aligned 1LOD framework.
• Serve as an internal advocate for compliance, and be fintech-forward - identifying tools and automation that improve the efficiency and quality of compliance reviews.
• Prepare and support reporting for the compliance program and the broader servicing organization.

Minimum Qualifications 

• 5+ years of compliance or regulatory experience in financial services, with working knowledge of consumer-protection regulations relevant to auto lending and servicing (e.g., ECOA, FCRA, FDCPA, TILA, GLBA).
• Auto servicing knowledge spanning from bankruptcy, repossession, and recovery.
• Demonstrated ability to design, document, and implement effective risk and control processes.
• Experience working cross-functionally with compliance, risk, legal, and business stakeholders on regulatory or control-related initiatives.

Preferred Qualifications

• Experience identifying and supporting remediation of compliance issues, including reviewing action plans and documentation tied to event closure.
• Skill simplifying complex compliance work into operational workflows or technology-friendly requirements.
• Familiarity with program reporting and use of KPIs/KRIs to monitor compliance performance and risk.
• Comfort using tools, automation, and GenAI to improve the efficiency and quality of compliance reviews (with appropriate human judgment and oversight).
• Strong communication, organization, and project-management skills in regulated environments.
• 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
• Auto indirect lending experience.

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

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