Lead Product Counsel, Home Lending
Lead Product Counsel, Home Lending
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Job Description
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts 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; and Austin Texas.
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 wed love to hear from you!
As the Lead Product and Regulatory Counsel - Home Lending at Upstart you will play a key role in helping develop new products to serve the home lending market and establishing the legal and regulatory framework for Upstarts home lending platform.
Position Location - Remote (United States)
Travel Requirements -This team has regular on-site collaboration sessions. These occur 1-3 times per quarter at the San Mateo CA office. If you need to travel to make these meetups Upstart will cover all travel related expenses.
How youll make an impact:
- Build strong trusted relationships across the organization
- Serve as a core member on the Home Lending leadership team as we build launch and scale new loan products such as HELOCs and eventually purchase loans;
- Provide prompt proactive practical legal advice cross functionally on the application of state and federal laws and regulations governing various consumer financial products offered via Upstarts platform including developing legal analyses and requirements documents for new products and features
- Advise product and engineering team on the design of new consumer product flows
- Provide advice and guidance on disputes and issues escalated from the Compliance team including but not limited to those related to mortgage advertising underwriting closing and servicing
- Analyze new laws and regulations and their applicability to Upstarts lending platform
- Advise on internal and external consumer agreements notices and disclosures
- Review internal policies and procedures to ensure compliance with applicable laws
What were looking for:
- J.D. degree with superior academic credentials and a state bar membership
- At least 6 years of experience in a top-tier law firm government and/or an in-house legal dept with a banking and/or regulatory focus
- In-depth knowledge of federal and state home lending and consumer protection laws and regulations including FCRA RESPA TILA GLBA UDAAP EFTA and ESIGN
- Background with mortgage fair lending issues arising under FHA ECOA as well as HMDA CRA and state and federal civil rights laws
- Strong communication skills with a demonstrated ability to effectively and proactively provide quick concise and practical legal advice
- Excellent judgment with demonstrated decision-making capability while dealing with legal regulatory and business issues involving competing interests
- Experience working for or with a fintech or proptech company preferably in a vertically integrated company covering loan origination title and real estate preferred
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 locationwith our digital first philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills experience and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition Upstart provides employees with target bonuses equity compensation and generous benefits packages (including medical dental vision and 401k).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures backgrounds perspectives and experiences and know that we can only become better together.
If you require reasonable accommodation in completing an application interviewing completing any pre-employment testing or otherwise participating in the employee selection process please email
Employment Type
Full Time
Key Skills
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