Senior Commercial Counsel - Fintech

Zip Co LimitedFintech

US-based employeesFull-TimeSenior

Salary174000 - 180000 USD per year

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Job Details

Experience: 8+ years

Requirements

8+ years of legal experience (law firm and/or in-house)
Significant focus on commercial contracting and transaction support (10+ years preferred)
JD (or equivalent) and active bar membership in at least one US jurisdiction
Proven experience partnering closely with Sales or commercial teams
Experience leading complex negotiations from term sheet through execution
Strong commercial judgment with the ability to balance legal risk, customer experience, and revenue impact in fast-paced environments
Experience in fintech, payments, consumer finance, or other regulated industries
Experience advising on product development and regulatory considerations impacting financial products
Experience partnering with Product and Engineering teams to guide compliant product design and launches
Demonstrated ability to influence stakeholders and drive alignment across business, legal, and compliance functions
Experience developing or applying contract playbooks, templates, and scalable negotiation frameworks
Practical experience with AI-enabled legal tools or contract lifecycle management systems
Ability to apply technology to improve contracting workflows and efficiency
Ability to operate independently, prioritize effectively, and manage a high volume of concurrent deals

Responsibilities

Draft, review, and negotiate complex commercial agreements, including merchant, partner, marketing, and vendor agreements within the payments and financial services ecosystem
Act as a strategic legal partner to Sales—advising on deal structure, negotiation strategy, and risk trade-offs to enable efficient deal closure
Lead negotiations with sophisticated counterparties, balancing commercial objectives with regulatory, compliance, and risk considerations
Advise Product, Engineering, and business stakeholders on legal and regulatory requirements impacting product design, features, and customer experience in the US market
Provide guidance on consumer financial services, payments, and related regulatory frameworks to support compliant product development and launches
Partner with Risk and Compliance to assess and mitigate regulatory risk in new products, features, and go-to-market strategies
Translate complex regulatory requirements into practical, actionable guidance for Product and business teams
Partner cross-functionally with Product, Risk, Compliance, Credit, and Engineering to support new product launches and evolving business models
Identify recurring negotiation patterns and develop scalable solutions (playbooks, fallback positions, templates) to improve deal velocity
Leverage AI-enabled tools and contract lifecycle workflows (e.g., contract review, clause analysis, workflow automation) to improve efficiency, consistency, and turnaround time
Support training and enablement for Sales and business teams to improve self-service capabilities and reduce friction in the contracting process

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