Senior Counsel, Capital Markets

Overview

The Legal, Compliance, and Public Affairs team supports the organization’s growth by combining legal, compliance, and policy expertise to guide product development, shape growth initiatives, and build trust across its ecosystem.

This role sits within the legal team and supports the Corporate Affairs function, specifically the capital markets work.

Responsibilities

• Advise and support the capital markets team in building a diversified 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, including strategy discussions, 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
• Communicate legal advice clearly, concisely, and in a timely manner
• Serve as a legal main point of contact for cross-functional teams involved in capital markets and/or bank partnership initiatives, providing thought leadership on related 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 and membership (in good standing) in a US state bar
• Prior legal experience in structured and/or debt finance, including combinations of the following:
  • Term, revolving, and asset-based lending
  • Warehouse and asset-backed financing
  • Loan sales
  • Securitizations
  • Creative forms of funding
• Outstanding integrity and work ethic
• Excellent business judgment and interpersonal skills to facilitate negotiations with external and internal stakeholders
• Strong interpersonal and problem-solving skills, meticulous attention to detail, maturity, business judgment, proactivity, and a strong attitude
• Proven experience as a key contributing member of a high-performing team
• Self-motivation and ability to take ownership of projects
• Ability to work efficiently both independently and as part of a team

Preferred Qualifications

• Additional in-house experience, particularly from 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.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, 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

Benefits highlights

• Health coverage at no cost: 100% of premiums for employees and dependents
• Monthly spending stipends (tech setup; ability to choose health and wellness options)
• Flexible time off and generous holiday calendars
• Employee stock purchase plan (ESPP) to buy company stock at a discount

Location & Work Model

• 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 a company office; a few are office-based due to the nature of the work.
• All new hires will be invited to attend an in-person onboarding experience.

Please note: Visa sponsorship is not available for this position.

Disclosures (for certain locations): For positions based in San Francisco or Los Angeles, the organization considers qualified applicants with arrest and conviction records, as required by law.

Accessibility

The organization is committed to providing an inclusive interview process, including accommodations for candidates with disabilities. If you need support, assistance is available.