Senior Counsel, Product

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

We are looking for an energetic and hardworking product lawyer to join our Product Counsel Legal team. This individual will support the servicing and underwriting lifecycle for BNPL loans, including underwriting, fair lending, servicing, and collections. The best candidate will be flexible enough to engage in a wide range of projects and matters in support of Affirm’s strategic objectives. We are looking for someone who takes their work seriously, but doesn’t take themselves too seriously. If you are an individual with humility, grit, and flexibility, this is the job for you!

Come join us in our mission to change consumer finance through offering honest financial products that improve lives! 

What You’ll Do

• Counsel Affirm’s Business teams and other cross-functional stakeholders on relevant federal and state consumer financial services laws and regulations affecting new and existing products and services, including the Truth in Lending Act; the Electronic Fund Transfer Act; The Equal Credit Opportunity Act; the Fair Credit Reporting Act; the Bank Secrecy and Anti-Money Laundering Act; laws prohibiting unfair, deceptive and abusive acts and practices; and related regulatory guidance and enforcement actions

• Support Affirm’s origination and servicing of BNPL products 

• Provide strategic advice regarding state and federal lending, 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 

What We Look For

• Ideal candidate will have 6+ years of related business, government, or fintech experience, preferably with a focus on BNPL or Consumer Payments

• JD from a highly-reputable, ABA-accredited law school

• Someone who has established expertise in all areas of the consumer credit lifecycle, including originations, underwriting, licensing, money transmission, fair lending, BSA/AML, servicing, furnishing, & collections

• Admitted to practice …