Upstart
Lead Legal Counsel - HELOC
$208K–$288K
United States +2 · Remote · Full-time · Posted Jul 10, 2026
- Location
- United States
Remote
Remote - Experience
- 7+ years; no alternative stated.
- Education
- Juris Doctor (JD) degree from an accredited law school.
About the job
Serves as the primary legal partner for Upstart’s HELOC product, advising on product development, regulatory compliance, and legal risk as the business launches and scales home-lending offerings.
What you'll do
- Advise cross-functional teams on HELOC product strategy, consumer lending laws, mortgage regulations, and the transition from a state-licensed lender to a national bank.
- Support compliant product features, customer experiences, operational processes, regulatory change management, and new home-lending products.
- Identify and communicate legal risks; work with regulators, bank partners, and internal and external legal stakeholders.
What they ask for
- Juris Doctor (JD) 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, including substantial primary-advisor experience with 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, and applicable state lending and federal banking laws.
- Experience advising cross-functional product development teams and supporting launches or expansions of regulated financial products.
Nice to have
- Experience supporting HELOC, mortgage, or other secured lending products throughout the full product lifecycle.
- Experience with regulatory examinations, enforcement matters, or federal and state regulators; familiarity with AI-enabled financial products or digital lending platforms.
Pay
$208,000 — $287,900 USD (base salary)
Model-written summary · the original posting is authoritative