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 payments, BNPL loans, including underwriting, 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 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 foundational legal and regulatory frameworks that cover payments, e-commerce, and online platforms
– 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

What We Look For:
– 6+ years of related business, government, or fintech experience, preferably with a focus on Payments, Consumer Credit, Banking, or BNPL
– Qualified lawyer with a minimum of 5 years PQE, and ideally 7 years of professional legal experience
– Expertise in all areas of the consumer credit lifecycle, including originations, underwriting, licensing, KYC/AML, servicing, credit reporting, & collections
– Experience in private practice and in-house roles
– Quick learner with a genuine interest in legal analysis and collaboration in a fast-paced environment
– Experience developing creative approaches to legal challenges and providing business-focused legal advice
– Inquisitive and proactive in risk identification and proposing solutions
– Strong project management, critical thinking, creativity, and analytical skills
– Focused on maintaining positive relationships and trust with cross-functional business partners
– Passion for improving credit products and consumer experiences

Additional Information:
– Base Pay Grade: O
– Equity Grade: 5
– ESP base pay range per year: €96,000 – €126,000
– Benefits include flexible spending wallets, wellness days, learning & development programs, parental benefits, employee resource & community groups, health coverage, stock purchase plan, and more.

Location:
– Remote Spain. Affirm is a remote-first company, offering flexibility to work almost anywhere within the country. Occasionally some roles may require working out of an assigned office. Affirm promotes an inclusive interview process and provides reasonable accommodations for candidates. The company also considers qualified applicants with arrest and conviction records. By applying, candidates consent to the collection and processing of their personal data as per Affirm’s privacy notice.