Senior Counsel, Capital Markets

Overview

This role supports the Legal, Compliance, and Public Affairs function with responsibilities focused on capital markets. The position reports to the Director, Capital Markets Counsel and works closely with capital markets and bank partnerships business teams.

Responsibilities

• Advise and support the capital markets team in building a network of capital sources and strategies, including capital markets 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, from strategy discussions through deal execution and ongoing maintenance beyond closing.
• Draft, review, and negotiate US 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 in a clear, concise, and timely manner.
• Serve as a primary legal point of contact for capital markets and/or bank partnership matters, coordinating with cross-functional teams and contributing thought leadership on special projects.

Requirements

• 7+ years of relevant law-firm experience; some additional in-house experience is 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 experience in structured and/or debt finance, including experience across one or more of the following:
  • Term, revolving, and asset-based lending
  • Warehouse and asset-backed financing
  • Loan sales
  • Securitizations
  • Creative forms of funding
• Strong business judgment and interpersonal skills to facilitate negotiations with both internal and external customers.
• Proven experience as a key contributing member of a high-performing team.
• Strong organizational and interpersonal skills, with the ability to prioritize responsibilities and take ownership.
• Meticulous attention to detail, maturity, proactivity, and a strong work ethic.

Preferred Qualifications

• Experience in-house, especially at a high-growth fintech start-up.

Compensation & Benefits

• Base Pay Grade: O
• Equity Grade: 8
• Employees new to the organization typically come in at the start of the pay range.

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

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, plus dental and vision for you and your dependents

Location & Work Arrangement

• 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; others may be office-based depending on the nature of the work.
• All new hires will be invited to attend an in-person onboarding experience.

Visa: Visa sponsorship is not available for this position.

Additional note (CA/San Francisco or Los Angeles): The organization considers qualified applicants with arrest and conviction records, as required by law.

Accessibility

An inclusive interview process is provided, including accommodations for candidates with disabilities. If you need support, assistance is available.