Legal Counsel (Financing, Lending and Securitization) Coins.ph

Iax GmbH; Taguig; Hybrid; PHP 2,000,000 - 3,000,000; Full time

Job summary

Coins is seeking an experienced legal professional to provide counsel on financing, lending, and securitization within a regulated fintech environment in the Philippines. You will draft and negotiate complex credit facilities, security documents, and intercreditor arrangements while ensuring regulatory compliance across BSP, SEC, and consumer protection regimes.

The role involves advising on OLP design, coordinating with product and risk teams, and supporting regulatory engagements.

Qualifications

• 4–7 years post-qualification experience in banking and finance.
• Experience with SEC lending and financing frameworks, BSP regulations.
• Drafting and negotiating finance documentation independently.

Responsibilities

• Provide clear and actionable counsel on financing, lending, and securitization.
• Draft, review, and negotiate facility and loan agreements and related docs.
• Advise on securitization, true sale, and bankruptcy remoteness analyses.
• Navigate regulatory perimeter for lending and financing activities.
• Support product, credit, and risk teams on OLP design and disclosures.
• Handle regulatory engagements and prepare responses to regulators.
• Collaborate in a multi-jurisdiction international legal team.

Skills

Banking & finance

Contract drafting

Regulatory compliance

English writing

Negotiation

Job description

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.

What You'll Do

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

What We Expect From You

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

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.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.