Commercial Counsel (Capital Markets & Fintech)

About the position We're hiring a commercially-minded attorney to join our fast-growing legal team. This role sits at the intersection of commercial contracting and capital markets, with a strong focus on our bank partnership model. You'll be a key partner to our business, product, and finance teams — drafting, negotiating, and scaling the commercial agreements that power our fintech platform. The ideal candidate is scrappy, adaptable, and energized by startup life. You don't just draft contracts — you build systems, templates, and playbooks that let the legal function scale with the business. You're fluent (or eager to become fluent) in AI and automation tools like Wordsmith, and you see them as force multipliers, not threats.

Responsibilities

• Draft, review, and negotiate a broad range of commercial agreements, including vendor, SaaS, data, marketing, partnership, and services agreements.
• Lead commercial workstreams supporting our capital markets activities, including warehouse facilities, forward flow arrangements, loan sale and purchase agreements, servicing agreements, and related transaction documents.
• Advise on and paper agreements within our bank partnership model, including program agreements, servicing arrangements, and related ancillary documents.
• Partner closely with business, finance, product, and compliance teams to translate commercial objectives into clean, practical contract terms.
• Build and maintain scalable contract templates, playbooks, and standard positions to accelerate deal velocity.
• Own and optimize the contract lifecycle using AI and automation tools (e.g., Wordsmith) — from intake to drafting to execution to post-signature tracking.
• Identify opportunities to automate repetitive legal workflows and partner with internal stakeholders to implement them.
• Support diligence and legal workstreams for financing transactions and strategic partnerships as the company grows.

Requirements

• 3–5 years of practice experience at a top law firm and/or in-house at a fintech or financial services company.
• Demonstrated experience with capital markets transactions — warehouse financings, forward flows, whole loan sales, securitizations, or similar structures.
• Strong drafting and negotiation skills across a wide variety of commercial agreements, with the ability to balance legal risk and commercial pragmatism.
• Comfortable — and ideally excited — to work with AI and automation tools (Wordsmith, LLMs, CLM platforms) for drafting, review, and workflow automation.
• Scrappy, adaptable, and low-ego. You thrive in ambiguity, move fast, and are comfortable making judgment calls with incomplete information.
• Clear communicator who can partner effectively with non-lawyers across business, product, engineering, and finance.
• J.D. from an accredited U.S. law school; active bar membership in good standing.

Nice-to-haves

• Prior fintech experience strongly preferred.
• Experience in the fintech bank partnership model is strongly preferred.
• Early adopters strongly preferred.

Benefits

• Private health cover
• Retirement savings plans
• Employee referral programme
• Complimentary lunches prepared by in-house chefs on in-office days at select locations
• Cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

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