Legal Counsel (Financing, Lending and Securitization)

Coins; Philippines; On-site; PHP 1,800,000 - 3,200,000; Full time

Job summary

Coins is the leading crypto brand in the Philippines, regulated by the BSP with licenses for Virtual Currency and Electronic Money Issuer. The role focuses on banking-finance, lending, and securitization work for online lending platforms, ensuring regulatory compliance and commercial success.

The candidate will draft complex finance documents, navigate regulatory regimes, and support product and risk teams on fintech initiatives in a fast-paced environment.

Qualifications

• Minimum 4 to 7 years of post-qualification experience in banking and finance, lending, consumer credit, or structured finance and securitization in the Philippines.
• Working knowledge of the SEC lending and financing company and OLP frameworks, BSP regulations, and consumer protection/data privacy requirements.
• Ability to draft and negotiate finance documentation independently.
• Excellent judgment, analytical rigor, clear communication, and business pragmatism.
• A good team player, agile, and able to adapt to a fast-paced, high-intensity environment.
• Motivated self-starter with a passion for payments and cryptocurrency; requires minimal supervision.
• Fluency in English with outstanding writing and communication skills.

Responsibilities

• Provide counsel on financing, lending, and securitization activities, including the online lending platform (OLP).
• Draft, review, and negotiate facility and loan agreements, security documents, guarantees, intercreditor and subordinated agreements, and receivables assignments.
• Advise on securitization transactions, asset transfers, true sale analysis, servicing arrangements, and investor documentation.
• Advise on regulatory perimeter for lending and financing, including SEC/OLP frameworks, BSP regulations, and data privacy in credit scoring and underwriting.
• Support product, credit, and risk teams on OLP design, disclosures, terms, consent flows, and funding-partner arrangements.
• Handle regulatory engagements, examinations, and regulator responses relating to lending and financing.
• Provide innovative legal solutions for fintech projects and new regulatory guidance in the industry.
• Provide practical legal advice in a risk-tolerant but compliant environment, shaping long-term strategy.
• Serve as part of a multi-jurisdiction international legal team.
• Attend case conferences and hearings with courts and government agencies.
• Other duties as assigned by the Chief Legal Officer.

Skills

Fluency in English

Drafting finance docs

Analytical rigor

Clear communication

Team player

Agile

Self-starter

Payments & crypto

Job description

Join the Pioneer Crypto Brand in the Philippines!

Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users.

Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services.

Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

• Provide clear and actionable counsel to the business on the group's financing, lending, and securitization activities, including the online lending platform (OLP) business.
• Draft, review, and negotiate financing and credit documentation, including facility and loan agreements, promissory notes, security and collateral documents, guarantees, intercreditor and subordination agreements, and receivables purchase and assignment agreements.
• Advise on and document securitization and structured finance transactions, including asset transfers, true sale and bankruptcy remoteness analysis, servicing arrangements, and investor documentation.
• Advise on the regulatory perimeter for lending and financing, including SEC lending and financing company registration and OLP registration, the Truth in Lending Act, the Financial Products and Services Consumer Protection Act, interest rate and fee ceilings, permissible collection practices, credit information reporting, and data privacy in credit scoring and underwriting.
• Support product, credit, and risk teams on OLP design, covering customer journeys, disclosures, terms and conditions, consent flows, marketing claims, and arrangements with funding partners, collection agencies, credit bureaus, and scoring vendors.
• Handle regulatory engagements, examinations, and inquiries relating to the lending and financing business, and prepare responses to regulator correspondence.
• Provide innovative legal solutions for complex projects involving new technologies to support commercial objectives, including the analysis and advice on new regulatory guidance in the fintech industry.
• Provide practical advice on legal issues and risks in a risk-tolerant, but compliance-oriented environment, including the impact on the company's long-term strategy for business.
• Serve as part of a multi-jurisdiction international legal team.
• Attend case conferences and hearings with courts and government agencies.
• Other responsibilities not listed here but reasonably assumed to be a function of the role, including other business lines and matters as may be assigned by the Chief Legal Officer.

• Minimum 4 to 7 years of post-qualification experience, with substantive exposure to banking and finance, lending, consumer credit, or structured finance and securitization practice in the Philippines.
• Working knowledge of the SEC lending and financing company and OLP frameworks, BSP regulations, and the consumer protection and data privacy requirements applicable to credit.
• Demonstrated ability to draft and negotiate finance documentation independently.
• Excellent judgment, analytical rigor, clear communication, and business pragmatism.
• A good team player, agile, and can adapt to a fast-paced, high-intensity environment.
• Motivated self-starter with a passion for payments and cryptocurrency and requires minimal supervision.
• Fluency in English with outstanding writing and communication skills.

Join the Coins Team Now!

Meaningful Collaborations

- The successful candidate will work cross-functionally with other relevant teams to carry out implementations that will improve and create an impact on customer experience.

Scalable Growth -

Be part of a fast-growing organization with the vision to expand its territories outside APAC which will provide opportunities for career advancement.

A Space For Bright Ideas -

Let your bright ideas be converted into meaningful changes! Coins culture welcomes new ideas backed up by data to create an impact.