legal manager

PALMPAY LIMITED; Taguig; On-site; PHP 70,000 - 90,000; Full time

Job summary

A leading fintech platform is seeking a Legal Manager in the Philippines to oversee all legal matters related to device financing and regulatory compliance. The ideal candidate will have over 5 years of experience in financial services law, including strong skills in contract negotiation and understanding of banking regulations. This role involves drafting agreements, ensuring compliance with laws, and managing risks related to credit and collections. Competitive salary and growth opportunities are offered.

Qualifications

• Bar passer in the Philippines is required.
• 5+ years of legal experience in device financing, banking, fintech, or financial services.
• Strong knowledge of banking laws, lending regulations, consumer finance, and data privacy.

Responsibilities

• Provide legal advisory support on device financing, consumer lending, and banking operations.
• Ensure compliance with Philippine laws and regulations.
• Draft, review, and negotiate financing agreements, partnership contracts, and service-level agreements.

Skills

Device financing

Banking laws

Contract negotiation

Regulatory compliance

Credit risk

Education

Bachelor's Degree in Law

Job description

PalmPay is a leading neobank and fintech platform scaling financial inclusion across emerging markets. With over 40 million users, we are building a digital financial ecosystem that empowers individuals and businesses through accessible, easy‑to‑use, and rewarding financial services. Operating in Nigeria, Ghana, Tanzania, Bangladesh, Pakistan and the Philippines, PalmPay has been recognised by CNBC as one of the Top 300 Global Fintech Companies and ranked #2 overall and #1 in financial services on the Financial Times’ Africa’s Fastest Growing Companies 2025 list.

Legal Manager

As Legal Manager, you will be responsible for overseeing all legal matters related to device financing, banking operations, regulatory compliance, contracts, and risk management in the Philippines. The role requires strong experience in financial services law, regulatory engagement, and commercial contract management.

Key Responsibilities

• Provide legal advisory support on device financing, consumer lending, and banking operations.
• Ensure full compliance with Philippine laws and regulations, including BSP, SEC, NPC (Data Privacy Act), and consumer protection laws.
• Draft, review, and negotiate financing agreements, partnership contracts, vendor agreements, and service‑level agreements.
• Manage legal risks related to credit, collections, recovery, and default management.
• Support the business in regulatory filings, licensing, and approvals with government authorities.
• Liaise with external legal counsel, regulators, and auditors.
• Handle disputes, litigation matters, and enforcement actions when required.
• Provide legal input on new products, business models, and partnerships.
• Develop and implement internal legal policies and compliance frameworks.
• Conduct legal training and awareness sessions for internal teams.

Requirements & Qualifications

• Bachelor’s Degree in Law; Bar passer in the Philippines (required).
• 5+ years of legal experience in device financing, banking, fintech, or financial services.
• Strong knowledge of banking laws, lending regulations, consumer finance, and data privacy.
• Proven experience handling financing structures, credit risk, and collections‑related legal issues.
• Experience working with regulators (BSP, SEC, NPC) is highly preferred.
• Excellent contract drafting and negotiation skills.
• Strong analytical, communication, and stakeholder management skills.
• Ability to work independently in a fast‑paced environment.

Preferred Qualifications

• Experience in fintech, digital lending, or mobile device financing.
• In‑house legal experience within a bank, financing company, or fintech firm.
• Familiarity with cross‑border or regional legal operations.