Senior Legal Counsel – Fintech Financing & Securitization

Coins.Ph; Pateros; On-site; PHP 1,500,000 - 2,100,000; Full time

Job summary

Coins.ph in the Philippines is seeking a seasoned Legal Counsel to advise on lending, securitization, and fintech regulatory matters. You will draft and negotiate complex financing docs, support OLP design, and coordinate with risk and product teams to ensure compliant, scalable solutions.

The role requires 4–7 years of post-qualification experience, fluency in English, and the ability to operate in a fast-paced fintech environment.

Qualifications

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

Responsibilities

• Provide clear and actionable counsel to the business on 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, security documents, guarantees, intercreditor and subordination agreements, and receivables purchase agreements.
• Advise on securitization and structured finance transactions, including asset transfers, true sale, servicing arrangements, and investor documentation.
• Advise on regulatory perimeter for lending and financing, including SEC and BSP requirements, Truth in Lending Act, data privacy, and consumer protection.
• Support product, credit, and risk teams on OLP design, disclosures, terms, consent flows, and partnerships.
• Handle regulatory engagements, examinations, and inquiries; prepare regulator responses.
• Provide innovative legal solutions for fintech projects and assess new regulatory guidance.
• Offer practical legal guidance in a risk-aware, compliant environment and align with long-term strategy.
• Collaborate in a multi-jurisdiction international legal team.
• Attend case conferences and hearings with courts and government agencies.
• Other duties assigned by the Chief Legal Officer.

Skills

Regulatory compliance

Negotiation and drafting

Legal advisory

Analytical reasoning

Clear communication

Job description

Coins.ph in the Philippines is seeking a seasoned Legal Counsel to advise on lending, securitization, and fintech regulatory matters. You will draft and negotiate complex financing docs, support OLP design, and coordinate with risk and product teams to ensure compliant, scalable solutions.

The role requires 4–7 years of post-qualification experience, fluency in English, and the ability to operate in a fast-paced fintech environment.