Legal and Compliance Supervisor

Just Smile Lending Corporation; Manila; On-site; PHP 400,000 - 700,000; Full time

Job summary

Just Smile Lending Corporation is hiring a Legal and Compliance Supervisor to oversee daily legal and compliance operations for a fintech and online lending business. The ideal candidate holds a Philippine law degree and active IBP Bar membership, with fintech lending industry experience.

The role covers regulatory liaison with SEC and AMLC, drafting core legal documents, policy development for data privacy and consumer protection, and external law firm management.

Qualifications

• JD from a recognized Philippine law school.
• Active IBP Bar membership in good standing.
• 4–6 years post-bar legal experience, including at least 2 years in qualified Philippine OLP institutions.
• Fintech/lending industry experience is mandatory.

Responsibilities

• Act as primary regulatory liaison with SEC and AMLC, managing daily communications and coordination.
• Oversee SEC compliance, lending permits, annual reports and disclosures.
• Lead AMLC compliance tasks including CTR/STR submissions and inquiries.
• Draft and review loan agreements, promissory notes, disclosures, and collection contracts.
• Develop internal policies on data privacy, consumer protection, and fair debt collection.
• Manage external law firm cooperation and supervise their work and costs.
• Summarize legal risks and support compliance system optimization.

Skills

Regulatory liaison

Contract drafting

Legal risk management

Cross-functional coordination

Education

Juris Doctor (JD)

Job description

We are hiring a Legal and Compliance Supervisor to oversee and manage the company's daily legal and compliance operations for our fintech and online lending business. The ideal candidate holds a Philippine law degree and active IBP Bar membership, with solid fintech/lending industry experience. Candidates must have working experience in qualified Philippine Online Lending Platform (OLP) institutions, with hands-on experience in SEC/AMLC regulatory liaison and external law firm collaboration.

Key Responsibilities

Regulatory & Government Liaison

• Act as the primary contact for SEC and AMLC, managing daily regulatory communications and coordination.

• Oversee full SEC compliance, including lending permit applications and amendments, annual regulatory reports and mandatory disclosures.

• Manage AMLC compliance work, covering CTR/STR submissions and official inquiry/audit responses.

Legal & Corporate Governance

• Draft, review and standardize loan agreements, promissory notes, disclosure statements, collection agency contracts and other core legal documents.

• Develop and implement internal policies for data privacy (NPC), consumer protection and fair debt collection.

• Handle routine corporate housekeeping, including board resolutions and corporate secretarial records maintenance.

Litigation, Risk & External Legal Management

• Manage loan default-related pre-legal collections, small claims and civil litigation cases.

• Advise management on legal risks regarding interest rate policies, new lending products and collection strategies.

• Manage external law firm cooperation: select external legal counsel, assign and supervise their work on litigation, compliance consulting and regulatory responses, review legal deliverables, and control external legal costs.

• Summarize operational legal risks and support continuous optimization of company compliance systems.

Qualifications

• Juris Doctor (JD) from a recognized Philippine law school.

• Active Bar passer and valid member of the Integrated Bar of the Philippines (IBP).

• 4-6 years post-bar legal experience, including at least 2 years of working experience in qualified Philippine OLP institutions; fintech/lending industry experience is mandatory.

• Proven independent experience in direct liaison and business handling with SEC and AMLC.

• Solid knowledge of RA 9474, AMLC regulations and SEC memorandum circulars.

• Familiar with external law firm management and cross-institutional legal project cooperation.

• Proficient in written and spoken English; Filipino language skill is a plus.

• Strong risk awareness, independent judgment and cross-departmental coordination capabilities.

Why Join Us?

• Competitive salary + dedicated regulatory compliance allowance.

• Full ownership of SEC and AMLC regulatory relationships and compliance work.

• In-depth involvement in external legal projects with broad career growth opportunities.

• Fast-paced, standardized and professional fintech working environment.