Lead Legal Counsel - HELOC
Core
Lead legal counsel for Upstart's Home Equity Line of Credit (HELOC) product, providing strategic guidance on product lifecycle, regulatory compliance, and market expansion.
Role type
Senior IC legal counsel (secured lending)
Builds
HELOC product and potential new real estate secured lending solutions
Domain
Fintech / Consumer Financial Services / Mortgage Lending
Deliverable
production ML models | product features | dashboards & analysis | client delivery
Required skills
Consumer lending laws expertise, Mortgage regulations knowledge, Secured lending product experience, Regulatory change management, Cross-functional product partnership, Risk synthesis
Preferred skills
HELOC/Mortgage product lifecycle experience, Regulatory examination/enforcement experience, Fintech governance framework building, AI-enabled financial products familiarity
Technologies
TILA, RESPA, ECOA, FCRA, HMDA, UDAAP
Responsibilities
Provide strategic legal counsel to Product, Engineering, Risk, Compliance, and Operations teams for HELOC product; Advise on federal and state consumer lending laws and mortgage regulations; Partner with stakeholders to design compliant product features and operational processes; Lead legal support for new product initiatives and market expansion; Identify and communicate key legal risks to senior leadership; Collaborate with internal and external stakeholders including regulators and bank partners.
Seniority
Senior, hands-on IC