Assistant General Counsel - HELOC
Summary of Relevant Experience
Summary of Experience – Assistant General Counsel - HELOC @ Upstart
- JD/MBA-credentialed in-house counsel with four years of progressive experience advising on ERISA, HIPAA, and employee benefits compliance across multiemployer funds and a Fortune 500 insurer, bringing deep regulatory fluency transferable to federal consumer lending frameworks.
- Regulatory compliance attorney who led plan governance, designed compliance programs, and managed outside counsel on complex litigation, demonstrating the cross-functional legal partnership Upstart's Product and Regulatory Legal team requires.
- In-house benefits counsel who advised C-suite executives on regulatory risk, translating dense statutory and regulatory requirements into actionable business guidance across healthcare and financial services contexts.
- M&A and transactional counsel who conducted due diligence on benefit plan structures within corporate transactions, reflecting experience supporting product and business development initiatives in regulated industries.
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Why this is a fit
The role is in legal/fintech, matching your target function and industry, but requires 10+ years focused on mortgage/HELOC and consumer lending regulations (TILA, RESPA, HMDA) — your background is ERISA, employee benefits, and HIPAA, with no evident mortgage or real estate lending expertise. Additionally, the seniority level (Assistant General Counsel, $239K–$331K) is above your current senior associate/counsel positioning.
About the role
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: 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. Ident