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 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’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, 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

Upstart’s Compliance team supports the company’s compliance management system by providing second-line oversight, guidance, and challenge across key business activities. The Compliance Advisory & Change Management team partners with stakeholders across the business to operationalize compliance requirements and support consistent execution of established compliance policies and procedures.

As the Senior Manager, Compliance Advisory & Change Management at Upstart, you will help operationalize key components of Upstart’s compliance framework, with a primary focus on third-party risk management, new and modified products and services, marketing compliance, and regulatory change management. You will partner with business stakeholders to provide second-line compliance guidance, review, and challenge while maintaining clear ownership between the first and second lines of defense.

How you’ll make an impact

• Operationalize second-line compliance activities established under Upstart’s third-party risk management, new and modified products and services, marketing, and regulatory change management policies and procedures.
• Review new and modified products and services for compliance considerations and provide guidance and challenge to business stakeholders throughout the applicable review process.
• Review marketing and customer-facing materials in accordance with established compliance requirements and processes.
• Support regulatory change management by assessing relevant regulatory developments, documenting compliance impacts, and coordinating with stakeholders responsible for implementation.
• Provide compliance guidance and challenge related to third-party risk reviews in accordance with established third-party risk management requirements.
• Identify and escalate material compliance concerns arising through these processes and help ensure appropriate follow-up and documentation.

Minimum Qualifications

• Bachelor’s degree or equivalent practical experience.
• 7+ years of experience in compliance, regulatory risk, or a related function within banking or financial services.
• Direct people management experience leading and developing a team.
• Experience supporting compliance reviews of products, services, marketing, third parties, or regulatory changes.
• Experience applying financial services laws, regulations, policies, or compliance requirements to business activities.
• Experience operating within a compliance management system or comparable regulated risk-management framework.

Preferred Qualifications

• Knowledge of consumer financial services laws and regulations relevant to lending products and customer communications.
• Experience with new or modified product and service review processes.
• Knowledge of third-party risk management and regulatory change management frameworks.
• Experience partnering across compliance, legal, risk, product, marketing, and business teams.
• JD, CRCM certification, or other relevant advanced degree or professional certification.

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.

#LI-REMOTE

#LI-MidSenior

Salary Information

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 location–with 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).

United States | Remote - Anticipated Base Salary Range $172,100—$238,300 USD

What you'll love

At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life-centered resources
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

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 candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy