We are looking for an energetic and hardworking product lawyer to join our Product Counsel Legal team. This individual will support Affirm’s Direct to Consumer and Merchant Engagement team to support Product in enhancing the user experience. 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 a team player 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 growth and acquisition including 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 & consumer user experience

Assist with merchant engagement as needed

Create and solve initiatives related to new and existing Affirm products

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 law and in good standing in at least one state bar/jurisdiction

A combination of federal government and in-house experience is preferred

A quick learner who genuinely enjoys legal analysis and collaboration in a fast-paced environment

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 

  Base Pay Grade - O
Equity Grade - 8

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $205,000 - $255,000
USA base pay range (all other U.S. states) per year: $182,000 - $232,000   Please note that visa sponsorship is not available for this position.   #LI-Remote