Senior Product Counsel, Mortgages

Overview

This role is part of the Business Lines Legal Team, providing frontline legal support for a mortgage business and integrated home-buying offerings. The position serves as dedicated product counsel for mortgage products, working at the intersection of regulated consumer lending and product development.

Responsibilities

• Serve as the primary day-to-day legal point of contact for an assigned set of mortgage products, providing full lifecycle counsel from concept and design through launch and iteration
• Advise product and engineering teams on the state and federal mortgage regulatory framework, including RESPA, TILA, ECOA, UDAAP, and state mortgage licensing
• Partner with AI/ML engineering teams on compliance guardrails for AI-enabled and agentic product features, including hands-on testing of model outputs and development of evaluation criteria for legal and regulatory compliance
• Provide practical, risk-calibrated guidance on product design and disclosures, including how and where mortgage content, pre-approval, and loan application experiences are surfaced across platforms
• Embed with business partners on issues of first impression, pilot programs, and other key initiatives, delivering legal risk analysis and recommendations directly to senior management
• Draft, review, and negotiate commercial and data-rights agreements that support products, including vendor, technology, and services agreements
• Proactively partner with cross-functional teams (including compliance, privacy, fair lending, marketing, and communications) to identify and resolve legal matters as they arise
• Educate product, engineering, and business partners on mortgage and lending legal requirements so teams can make informed decisions while maintaining velocity

Requirements

• 7+ years of relevant experience with a national or regional law firm or in-house legal department, with meaningful consumer finance, mortgage, or product counseling experience; in-house experience at a mortgage lender, fintech, or prop tech company strongly preferred
• JD with active state bar admission in at least one jurisdiction
• Substantive command of the mortgage and consumer lending regulatory framework, with the depth to advise directly on the statutes above as they apply to live product decisions
• Experience advising on product development, and the judgment to provide practical guidance where the regulatory answer is not fully settled
• Experience drafting and negotiating commercial agreements such as vendor, technology, or services agreements
• General familiarity with adjacent regulatory frameworks such as GLBA and TCPA, and with emerging state and federal AI/algorithmic regulation, is a plus
• Excellent written and verbal communication skills, with the ability to convey implications of legal issues and risk clearly to non-lawyers
• Strong organizational skills and ability to independently manage competing, time-sensitive projects
• Sound judgment about when to decide, when to consult a subject matter expert, and when to elevate a matter for broader alignment
• Team-first attitude and demonstrated ability to build trusted relationships and collaborate across departments and levels

Preferred Qualifications

• Experience working in a mortgage lender, fintech, or prop tech environment

Compensation & Benefits

• Base pay range (annual):
  • California, Connecticut, Maryland, Massachusetts, New Jersey, New York, Washington state, and Washington DC: $164,400.00 - $262,600.00
  • Colorado, Hawaii, Illinois, Maine, Minnesota, Nevada, Ohio, Rhode Island, Vermont, and Virginia: $156,200.00 - $249,400.00
• In addition to a competitive base salary, the position is also eligible for equity awards based on factors such as experience, performance, and location. Actual amounts will vary depending on experience, performance, and location.
• Employees in this role will not be paid below the salary threshold for exempt employees in the state where they reside.

Location

• Remote position. Remote employees do not have a permanent corporate office workplace and instead work from a physical location of their choice, which must be identified to the employer.
• U.S. employees may live in any of the 50 United States, with limited exceptions.

Additional Information (Los Angeles County)

For Los Angeles County applicants, job duties for this position include: work safely and cooperatively with other employees, supervisors, and staff; adhere to standards of excellence despite stressful conditions; communicate effectively and respectfully with employees, supervisors, and staff to ensure exceptional customer service; and follow all federal, state, and local laws and company policies.

Criminal history may have a direct, adverse, and negative relationship with some of the material job duties of this position, including the duties and responsibilities listed above.

Pursuant to the Los Angeles County Fair Chance Ordinance, qualified applicants with arrest and conviction records will be considered for employment in accordance with applicable law.