Senior Counsel

Summary

Join Affirm's Product Counsel Legal team as an energetic and hardworking product lawyer supporting the servicing and underwriting lifecycle for payments and BNPL loans. You will counsel business teams on consumer financial services laws and regulations, advise on financial regulatory requirements, support loan and payment product origination and servicing, and monitor legal and regulatory developments. The ideal candidate possesses 6+ years of relevant experience, a law degree with 5+ years PQE, and established expertise in the consumer credit lifecycle. This role requires strong analytical, problem-solving, and communication skills. Affirm offers a competitive compensation package, including a remote-first work environment and comprehensive benefits.

Requirements

• Ideal candidate will have 6+ years of related business, government, or fintech experience, preferably with a focus on Payments, Consumer Credit, Banking, or BNPL
• Relevant education. You’re a qualified lawyer with a minimum of 5 years PQE, and ideally 7 years of professional legal experience
• Someone who has established expertise in all areas of the consumer credit lifecycle, including originations, underwriting, licensing, KYC/AML, servicing, credit reporting, & collections
• A quick learner who genuinely enjoys legal analysis and collaboration in a fast-paced environment - you take your work seriously, but don’t take yourself too seriously
• Experience developing creative approaches to legal challenges while providing business-focused legal advice
• Inquisitive and proactive in identifying risks and proposing creative and effective solutions
• Strong project management, critical thinking, creativity, and analytical skills
• Someone focused on maintaining positive relationships and trust with cross-functional business partners
• Passion for improving credit products and consumer experiences

Responsibilities

• Counsel Affirm’s Business teams and other cross-functional stakeholders on relevant consumer financial services laws and regulations affecting new and existing products and services, including the PSD2, Regulatory compliance
• Advise on relevant financial regulatory requirements: including PSD2, AML/KYC, EU Directive and Dutch Consumer Rights laws. e.g. PSD2, AMLD, CBPR2, MTRs, DORA, SCA)
• Support Affirm’s origination and servicing of loan and payment products
• Provide strategic advice regarding EU consumer finance and protection laws
• Monitor legal and regulatory developments in consumer lending and servicing
• Be a trusted advisor and teammate, sharing legal and other expertise and support when needed
• Identify and evaluate business and legal risks and act as a trusted partner for creative legal problem-solving
• Draft terms and conditions, disclosures, review copy
• Create and solve initiatives related to new and existing Affirm products to ensure business partners are supported

Preferred Qualifications

A combination of private practice and in-house experience is preferred

Benefits

• 100% subsidized medical coverage, dental and vision for you and your dependents
• Equity rewards offered by Affirm Holdings, Inc. (parent company)
• Monthly stipends for health, wellness and tech spending
• Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment
• Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office
• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount