Senior Counsel, Capital Markets

Overview

This role supports the Legal, Compliance, and Public Affairs function, helping drive growth and build trust across the organization. The position is focused on leading legal work related to capital markets and financing.

Responsibilities

• Advise and support the capital markets team in building a diversified network of capital sources and strategies, including international expansion.
• Advise and support the bank partnerships team in building a network of originating and card issuing partner banks.
• Independently lead financing transactions and bank partner initiatives from a legal perspective, covering strategy discussions through deal execution and post-closing maintenance.
• Draft, review, and negotiate U.S. and international capital markets deal documents, including:
  • Credit and security agreements
  • Loan sale agreements
  • Indentures
  • Officer certificates
  • Board and shareholder resolutions
  • Side letters
• Apply expert knowledge of lending and securities laws and regulations relevant to capital markets transactions.
• Provide legal advice clearly, concisely, and in a timely manner.
• Serve as a legal primary point of contact for capital markets and/or bank partnerships cross-functional teams, offering thought leadership on special projects.

Requirements

• 7+ years of relevant law-firm experience; additional in-house experience preferred (particularly from a high-growth fintech start-up).
• JD degree from a well-regarded law school.
• Membership in good standing in a US state bar.
• Prior legal experience in structured and/or debt finance, including any of the following:
  • Term, revolving, and asset-based lending
  • Warehouse and asset-backed financing
  • Loan sales
  • Securitizations
  • Creative forms of funding
• Strong integrity and work ethic.
• Excellent business judgment and interpersonal skills to support negotiations with external and internal partners.
• Strong problem-solving skills, meticulous attention to detail, maturity, business judgment, and a proactive approach.
• Demonstrated experience as a key contributing member of a high-performing team.
• Self-motivation and ability to take ownership of projects.
• Ability to work both independently and collaboratively.

Compensation & Benefits

• Base Pay Grade: O
• Equity Grade: 8
• Employees new to the organization typically come in at the start of the pay range.
• Base pay is part of a total compensation package that may include:
  • Equity rewards
  • Monthly stipends for health, wellness, and tech spending
  • Benefits, including 100% subsidized medical coverage and dental and vision for you and your dependents

USA base pay range (CA, WA, NY, NJ, CT) per year: $220,000 - $280,000

USA base pay range (all other U.S. states) per year: $195,000 - $255,000

Additional benefits highlights:

• Health coverage at no cost: 100% of premiums for employees and dependents
• Spending stipends: Monthly stipends for tech setup and choosing health and wellness options
• Time off: Flexible time off and generous holiday calendars
• Employee Stock Purchase Plan (ESPP): Ability to buy company stock at a discount

Location & Work Style

• Remote-first with flexibility built in: Most roles can be done from almost anywhere within the country of employment.
• Some positions may occasionally require in-person work at an office, and a few may be office-based.
• All new hires will be invited to attend an in-person onboarding experience.

Additional Information

• Visa sponsorship is not available for this position.
• Inclusive interview process includes accommodations for candidates with disabilities.
• For positions based in San Francisco or Los Angeles: the organization considers qualified applicants with arrest and conviction records, as required by law.