Senior Counsel, Capital Markets

Overview

The Legal, Compliance, and Public Affairs team supports business growth by combining legal, compliance, and policy expertise. This role sits within the organization’s Corporate Affairs function and supports the capital markets and bank partnerships 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, including strategy discussions, deal execution, and matters extending 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 clear, concise, and timely legal advice.
• Serve as a primary legal point of contact for cross-functional teams, offering thought leadership on capital markets and bank partnership matters and other special projects.

Requirements

• 7+ years of relevant law-firm experience; 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 legal experience in structured and/or debt finance, including (as applicable):
  • 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 facilitate negotiations with external and internal customers.
• Strong interpersonal and problem-solving skills, meticulous attention to detail, maturity, business judgment, proactivity, and a positive attitude.
• Demonstrated 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

• Some in-house experience, particularly in a high-growth fintech start-up environment.

Compensation & Benefits

• Base pay grade: O
• Equity grade: 8
• New hires typically start at the beginning 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

Compensation is part of a total rewards 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
• Employee Stock Purchase Plan (ESPP), which allows you to buy company stock at a discount
• Flexible time off and generous holiday calendars

Visa sponsorship: Not available for this position.

Location

Remote-first with flexibility built in. Most roles can be done from within the country of employment; some positions may require occasional in-person work at an office, and a few are office-based due to the nature of the work. All new hires attend an in-person onboarding experience.

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