Lead Legal Counsel – HELOC

Upstart

. Serve as the primary legal partner for Upstart’s Home Equity Line of Credit (HELOC) product .

Posted 9/18/2026full-timeRemote • United StatesSenior💰 $208,000 - $287,900 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in consumer financial services laws and mortgage regulations, providing strategic legal counsel to cross-functional teams in the financial services sector. Capable of leading legal support for product initiatives and regulatory change management while ensuring compliance with federal and state lending laws.

Highest-signal resume keywords

Juris Doctor (JD) Degree7+ Years Legal ExperienceConsumer Financial Services Laws ExpertiseMortgage Regulations KnowledgeCross-Functional Team Collaboration

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Legal CounselRegulatory Change ManagementProduct Development SupportRisk IdentificationCompliance Design

Soft Skills

Clear CommunicationStrategic ThinkingStakeholder Collaboration

Certifications & Qualifications

Active U.S. State Bar Membership

Industry Keywords

Consumer Lending LawsSecured Lending ProductsTILARESPAECOAFCRAHMDAUDAAPFinancial ServicesMortgage Lending

About the role

Key responsibilities & impact

Serve as the primary legal partner for Upstart’s Home Equity Line of Credit (HELOC) product
Provide strategic legal counsel to Product, Engineering, Risk, Compliance, and Operations teams
Support the transition from a state-licensed lender to a national bank
Advise on federal and state consumer lending laws, secured lending products, mortgage regulations, and regulatory developments
Provide legal counsel on future products, potentially including purchase-money mortgages
Partner with stakeholders to design compliant product features, customer experiences, operational processes, and servicing capabilities
Lead legal support for new product initiatives, regulatory change management, and home-lending market expansion
Collaborate with Product & Regulatory Legal and other legal teams, including Privacy, Fair Lending, Capital Markets, and Commercial Contracts
Collaborate with regulators, bank partners, outside counsel, and internal stakeholders
Identify and communicate key legal risks to business partners and senior leadership through clear, actionable recommendations

Requirements

What you’ll need

Juris Doctor (JD) degree from an accredited law school and active membership in at least one U.S. state bar
7+ years of legal experience advising financial services, fintech, or mortgage lending organizations
Substantial experience serving as the primary legal advisor for complex product organizations, focused on real-estate secured products
Deep expertise in consumer financial services laws and mortgage regulations, including TILA, RESPA, ECOA, FCRA, HMDA, UDAAP, applicable state lending laws, and federal banking laws
Experience advising cross-functional product development teams
Experience supporting the launch or expansion of regulated financial products
East/West coast time zone availability
Ability to live and work in the U.S.; Upstart is not currently able to hire in Quebec for Canada-based roles

Benefits

Comp & perks

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive medical, dental, vision, and wellness coverage
Supplemental health coverage for Canada
Health Savings Account contributions for eligible plans (US only)
Life insurance and disability coverage
Paid time off, sick leave, and company holidays
Paid family and parental leave
Family-centered fertility, parenthood, and caregiving benefits
Employee Assistance Program offering mental health support and life-centered resources
Financial planning tools and financial concierge service (US only)
Annual wellness allowance
Annual productivity allowance for relevant work tools and resources
Team events, all-company updates, and employee resource groups
Onsite perks, including catered lunches and fully stocked micro-kitchens at company offices