About Client
For companies building financial technology and transforming the financial services space, the biggest bottleneck to their growth and innovation is often the underlying banks and infrastructure stack they rely on. Our client has spent their careers founding and scaling companies like Plaid, Square, Meta, Blend, and Affirm, and have seen this problem firsthand — builders and developers needing to partner with traditional banks, and creating API and abstraction layers over the patchwork that is the bank, its core, and many other vendors. All of this results in a complex (and often expensive) banking supply chain involving a user, fintech, BaaS middleware provider, bank, core and the Federal Reserve.
Our client has set out to simplify and fix this. They are a bank and a software company built from the ground up, offering builders and developers technology-forward banking solutions that cut out the hundreds of vendors, middleware providers, and abstraction layers. This means a safer, more transparent, and less costly banking supply chain. Come build with us!
The opportunity
Our client is growing its in-house legal team to own the legal process for all of our financing and capital markets transactions. This isn't a typical in-house counsel role focused on project managing outside counsel or running the same playbook for every deal - you'll architect loan purchase, warehouse financing, and retention structures incorporating differentiated technology and product offerings, working across asset classes, transaction structures, and geographies. You'll work closely with the Lending , Risk, and Compliance teams to negotiate and execute these transactions while protecting the Bank..
This is a hybrid in-person role based in their Presidio office — one of the most beautiful locations in SF — 3–4+ days per week. They offer up to $2,000/month in post-tax rent subsidy for employees who live within 2 miles of the office and welcome candidates who would relocate.
What you'll do
Own the transaction process end-to-end: Structure, draft, and negotiate forward flow, warehouse, and loan retention agreements covering a broad range of asset classes, in both the context of broader banking sponsorship agreements as well as for standalone transactions.
Build and manage legal playbooks and templates that scale: Develop and maintain templates for the various transactions we do to enable client to quickly move from term sheet to documentation and execution.
Negotiate: Lead negotiations with high-growth fintechs and enterprise customers, balancing commercial priorities, risk structuring, and regulatory requirements.
Develop strong cross-functional partnerships: Work closely with the Lending team to understand the Bank’s goals, strategy, and risk tolerance for each deal in order to develop an efficient and risk-based contracting strategy.
Help us level up how Legal operates: Serve as a thought partner to the business and legal to support client's ongoing growth through improvements to bank agreements, policies, and legal processes.
What you'll need to be successful
For companies building financial technology and transforming the financial services space, the biggest bottleneck to their growth and innovation is often the underlying banks and infrastructure stack they rely on. Our client has spent their careers founding and scaling companies like Plaid, Square, Meta, Blend, and Affirm, and have seen this problem firsthand — builders and developers needing to partner with traditional banks, and creating API and abstraction layers over the patchwork that is the bank, its core, and many other vendors. All of this results in a complex (and often expensive) banking supply chain involving a user, fintech, BaaS middleware provider, bank, core and the Federal Reserve.
Our client has set out to simplify and fix this. They are a bank and a software company built from the ground up, offering builders and developers technology-forward banking solutions that cut out the hundreds of vendors, middleware providers, and abstraction layers. This means a safer, more transparent, and less costly banking supply chain. Come build with us!
The opportunity
Our client is growing its in-house legal team to own the legal process for all of our financing and capital markets transactions. This isn't a typical in-house counsel role focused on project managing outside counsel or running the same playbook for every deal - you'll architect loan purchase, warehouse financing, and retention structures incorporating differentiated technology and product offerings, working across asset classes, transaction structures, and geographies. You'll work closely with the Lending , Risk, and Compliance teams to negotiate and execute these transactions while protecting the Bank..
This is a hybrid in-person role based in their Presidio office — one of the most beautiful locations in SF — 3–4+ days per week. They offer up to $2,000/month in post-tax rent subsidy for employees who live within 2 miles of the office and welcome candidates who would relocate.
What you'll do
Own the transaction process end-to-end: Structure, draft, and negotiate forward flow, warehouse, and loan retention agreements covering a broad range of asset classes, in both the context of broader banking sponsorship agreements as well as for standalone transactions.
Build and manage legal playbooks and templates that scale: Develop and maintain templates for the various transactions we do to enable client to quickly move from term sheet to documentation and execution.
Negotiate: Lead negotiations with high-growth fintechs and enterprise customers, balancing commercial priorities, risk structuring, and regulatory requirements.
Develop strong cross-functional partnerships: Work closely with the Lending team to understand the Bank’s goals, strategy, and risk tolerance for each deal in order to develop an efficient and risk-based contracting strategy.
Help us level up how Legal operates: Serve as a thought partner to the business and legal to support client's ongoing growth through improvements to bank agreements, policies, and legal processes.
What you'll need to be successful
- 8+ years as a practicing lawyer; priority given to candidates with law firm experience in financing transactions and/or in-house experience at a fintech, asset manager, or financial institution executing on financing transactions
- Experience driving complex commercial negotiations
- Ability to independently draft and negotiate commercial agreements, with a strong understanding of both contract law and commercial transactions
- Comfort with project management, deadlines, and juggling execution across multiple initiatives for multiple stakeholders
- Nice to haves:
- Understanding of traditional commercial banking products and services including ACH and wire transactions, accounts, lending, cards, cash management, sweeps, and check issuance/deposit, among others
- Understanding of money transmission