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The Team: 

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.

As the Assistant General Counsel, HELOC at Upstart, reporting into the Product & Regulatory Legal team, , 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.

How you'll make an impact

• 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.
• Provide legal counsel and advice on future products, which may include purchase-money mortgages.
• Advise on federal and state consumer lending laws, mortgage regulations, and regulatory developments that impact home lending products and services.
• 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. 
• Develop practical legal frameworks, policies, and guidance that enable business growth while appropriately managing legal and regulatory risk.
• Collaborate with internal and external stakeholders, including regulators, bank partners, and outside counsel, on legal matters affecting the HELOC business.
• 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 

• Juris Doctor (JD) degree from an accredited law school and active membership in at least one U.S. state bar.
• 10+ years of legal experience advising financial services, fintech, or mortgage lending organizations, including substantial experience serving as the primary legal advisor for complex product organizations with a focus on real-estate secured products.
• Deep expertise in consumer financial services laws and mortgage regulations, including TILA, RESPA, ECOA, FCRA, HMDA, UDAAP, and applicable state lending and federal banking laws.
• Experience advising cross-functional product development teams and supporting the launch or expansion of regulated financial products.

Preferred Qualifications

• Experience supporting HELOC, mortgage, or other secured lending products throughout the full product lifecycle.
• Experience managing regulatory examinations, enforcement matters, or interactions with federal and state regulators.
• Ability to balance legal risk with business objectives and develop practical, scalable solutions for product teams.
• Experience building legal processes and governance frameworks within rapidly growing technology or fintech organizations.
• Familiarity with AI-enabled financial products, digital lending platforms, or emerging regulatory developments affecting financial technology.

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

Time zone requirements The team operates on the East/West coast time zones. 

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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