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 1,800 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 (opening Summer 2026), 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: Our Compliance team plays a critical role in mitigating risk and protecting Upstart's growth and success.

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.

into scalable, technology-friendly

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.

Compliance & Controls Associate, Auto Servicing