Fintech Financing & Securitization Counsel

Coins Ph; Flippin (AR, KY); On-site; USD 29,000 - 38,000; Full time

Job summary

Coins, the Pioneer Crypto Brand in the Philippines, seeks a seasoned corporate lawyer to advise on financing, lending, and securitization while navigating fintech regulation, consumer protection, and data privacy considerations.

You will draft, review, and negotiate complex credit and facility documents, lead regulatory engagements, and partner with product, risk, and sourcing teams across multiple jurisdictions to enable growth, ensure governance, and foster innovative financial services.

Qualifications

Responsibilities

• Provide clear and actionable counsel to the business on the group's financing, lending, and securitization activities.
• 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.

Job description

Coins, the Pioneer Crypto Brand in the Philippines, seeks a seasoned corporate lawyer to advise on financing, lending, and securitization while navigating fintech regulation, consumer protection, and data privacy considerations.

You will draft, review, and negotiate complex credit and facility documents, lead regulatory engagements, and partner with product, risk, and sourcing teams across multiple jurisdictions to enable growth, ensure governance, and foster innovative financial services.