• Lead Rocket’s AI legal program, including advising on AI-related development, training data sourcing and licensing, AI-generated output ownership, algorithmic accountability, and compliance with applicable and emerging AI regulations and frameworks globally • Serve as the dedicated legal partner to product management, engineering, and AI/ML teams, providing embedded legal support across the product development lifecycle • Develop, implement, and maintain product governance frameworks, including policies and processes related to AI/ML product risk, data inputs and outputs, third-party model integrations, and regulatory compliance across key markets • Advise on, draft, and negotiate complex technology agreements, including software license agreements, AI and data licensing arrangements, and strategic technology partnerships • Support and lead IP and product counsel workstreams in M&A transactions and other strategic corporate transactions, including due diligence, risk assessment, deal structuring, and post-closing integration matters • Advise on OSS strategy in the context of AI and product development • Oversee export control compliance as it relates to Rocket's software products, including encryption classification requirements, and advise on export control considerations in product development, AI deployments, and international transactions • Advise on IP strategy in the context of AI and product • Take on leadership of matters and workstreams across the full scope of the IP and product legal function as needed, and drive cross-functional process improvement, compliance program development, and legal policy initiatives • Advise senior leadership on legal, IP, and product considerations in proposed acquisitions, divestitures, and investments, including AI-specific diligence and integration risk • Monitor, analyze, and advise on developments in AI law and regulation, data privacy, open source, and other technology-related legal areas that affect Rocket's products and business, and proactively translate regulatory developments into actionable guidance • Develop and deliver legal training and educational resources to product, engineering, and business teams on AI governance, IP, OSS, and technology law topics to build legal literacy and scalable compliance practices across the organization.

• Analyze title insurance risks, underwriting issues, and regulatory concerns • Provide underwriting solutions to agents, sales team, and title examiners in accordance with Westcor company guidelines as well as local, state and federal law • Handle residential as well as commercial transactions underwriting • Present training seminars to educate title agents and production staff (both online and in person) • Provide outstanding customer service while making sound underwriting decisions • Analyze and respond to indemnity requests • Call on existing Westcor agents and help increase wallet share. Identify new business opportunities through prospecting • Travel with sales staff, managers or other underwriters for agent visits throughout the states

• Draft, review, and negotiate a wide range of customer and vendor commercial agreements • Serve as a trusted business partner to sales, account management, product, and operations teams • Maintain and continuously improve the company’s contract templates, playbooks, and standard fallback positions • Manage and track the contract lifecycle using the company’s contract management platform • Identify, assess, and advise on potential litigation exposure • Manage pre-litigation disputes and demand letters • Develop and implement strategies to minimize litigation risk • Monitor legal and regulatory developments relevant to the company’s business • Provide legal support to the HR team on a range of employment matters • Assist in building and scaling legal team processes and infrastructure

Senior Legal Counsel, Capital Markets - R-00015 - Legal 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 Legal team partners closely with Capital Markets and Finance to support the funding strategies that power our lending platform. The team works across securitizations, whole loan sales, and other liquidity channels, helping structure transactions and manage legal risk as the business grows. As a Senior Legal Counsel, Capital Markets, you will support the execution of key financing transactions and provide practical legal guidance across investor-facing activities. You’ll work cross-functionally to help scale processes and ensure consistency across a growing set of products and funding structures. How you’ll make an impact - Support capital markets and finance teams on purchase and sale agreements, securitizations, and other liquidity arrangements, as well as day-to-day legal support - Draft, review, and negotiate transactional documents with institutional investors, including asset managers, private equity firms, hedge funds, and pension funds - Partner with internal stakeholders and external counsel to support structuring and execution of securitization transactions, including pass-through and asset-backed structures - Contribute to managing deal flow, timelines, and documentation across multiple concurrent transactions - Collaborate with legal, product, and regulatory teams to ensure consistency across agreements and alignment with evolving requirements - Maintain and improve transaction templates and processes to support efficient and scalable execution - Provide guidance on legal risks and contribute to internal education on capital markets topics Minimum Qualifications - Juris Doctor (J.D.) degree and active membership in at least one U.S. state bar - 5+ years of legal experience in structured finance, debt finance, capital markets, or a related practice area - Experience drafting and negotiating transactional agreements in financing or capital markets contexts - Experience working with cross-functional stakeholders and external counsel on complex transactions Preferred Qualifications - Experience working at a fintech or lending-focused company - Knowledge of asset-backed securitizations and capital markets structures - Ability to manage multiple transactions with competing priorities and timelines - Skills in developing or improving legal templates and transaction processes - Ability to communicate legal concepts clearly to business and non-legal stakeholders Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $179,000—$286,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: - Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly - Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) - Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. - Health Savings Account contributions from Upstart for eligible plans (US only) - Income protection benefits, including life insurance and disability coverage for added financial security - Paid time off, sick leave, and company holidays, in line with local requirements - Paid family and parental leave to support caregiving and major life moments (duration varies by country) - Family-centered benefits to support fertility, parenthood, and caregiving needs - Employee Assistance Program (EAP) offering mental health support and life-centered resources - Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) - Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you - Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from - Connection and community through team events, all-company updates, and employee resource groups (ERGs) - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com