Product Counsel

ClarityPay; New York (NY); On-site; USD 180,000 - 220,000; Full time

Benefits offered by this job

Equity package

Medical, dental, vision benefits

401k with employer match

Job summary

ClarityPay is seeking a Product Counsel to join our growing fintech and lead regulatory and commercial contracting support. This foundational legal hire will serve as an in-house generalist focusing on consumer and small business lending regulations and product development.

Based in New York, NY, the role reports to the Chief Legal & Compliance Officer and collaborates with compliance, risk, and product teams to translate regulatory changes into practical guidance, policies, and scalable

Qualifications

• J.D. from a top-tier law school and bar admission in good standing.
• 7+ years of total legal experience.
• At least 2 years of law firm experience.
• Deep experience advising clients on consumer financial services matters.
• Contract drafting and negotiation experience.
• Strong legal research and analytical abilities.
• Excellent written and verbal communication.
• Ability to leverage AI tools for legal work.

Responsibilities

• Serve as in-house subject matter expert on consumer and small business lending regulations.
• Lead regulatory requirements for new product development and implementation.
• Provide regulatory advice and risk assessments for new financial products.
• Support compliance and customer service on inquiries and regulator interactions.
• Collaborate with stakeholders on policies, procedures, and processes.
• Project-manage key legal and compliance projects.
• Support or own other legal projects as directed by the Chief Legal & Compliance Officer.

Skills

Regulatory compliance

Contract drafting

Legal research

Communication skills

AI tools for legal work

Education

Juris Doctor (JD)

Job description

Role Overview:

ClarityPay is looking for a Product Counsel. This is a foundational hire for the legal and compliance team of a rapidly growing fintech, and it comes with built-in opportunity for professional growth and development.

This will be a broad-based role, focused primarily on regulatory and operational matters, along with commercial contracting support. This is an ideal opportunity for a rock-solid financial services regulatory attorney with a desire to become an in-house generalist. It could also be a great match for a fintech generalist that wants to develop subject matter expertise in the lending space.

Key Responsibilities:

• Serve as an in-house subject matter expert on the consumer and small business lending regulations, tracking relevant changes and directives that may impact the company or our partners.
• Take a lead role in establishing regulatory requirements for new product development and implementation.
• Support the ClarityPay team with accurate and pragmatic regulatory advice and in-depth legal risk assessments relevant to the company’s development and launch of new financial products.
• Support compliance and customer service teams on the resolution of inquiries and complaints from customers and regulators.
• Support compliance, business development, customer service, and other internal stakeholders in fielding legal and regulatory questions.
• Provide legal support for ClarityPay’s Compliance and Operational Risk Program.
• Support commercial contracting efforts with merchants and vendors.
• Collaborate on the development and improvement of internal policies, procedures, and processes.
• Project-manage various key legal and compliance projects.
• Support or own other legal projects as determined by the Chief Legal & Compliance Officer.

Qualifications:

• JD from a top tier law school and a license to practice in good standing in primary state of residence.
• 7+ years total legal experience.
• At least 2 years of law firm experience.
• Deep experience advising clients on consumer financial services matters.
• Contract drafting and negotiation experience.
• Strong legal research skills.
• Strong written and verbal communication skills.
• Ability to learn and leverage new technology quickly and effectively, including hands‑on experience leveraging modern AI tools for legal work.

Bonus Points:

• Prior experience in fintech lending.
• Broad legal experience covering regulatory, transactional, and dispute resolution matters.
• Prior experience performing in-depth legal risk assessments on consumer financial services regulations.
• Experience supporting the compliance function of a consumer lender or lending platform.
• Experience working with regulators to quickly and effectively resolve inquiries, complaints, or information requests.

What We Offer:

• Competitive compensation and equity package.
• Comprehensive benefits (medical, dental, vision).
• Collaborative office culture with a strong product mindset.
• Opportunities to grow, lead, and shape the future of consumer finance.
• 401k program with employer match.

Role Details:

• Preference for candidates near our headquarters in New York, NY or the Minneapolis/St. Paul metropolitan area.
• Limited travel is expected, primarily for corporate gatherings and industry conferences.
• This role will report to the Chief Legal & Compliance Officer.

Salary Range:

$180,000 to $220,000 per year.

Salary range is an approximation and will depend on market data applied to factors like the candidate’s skills and experience, geographic location, and compensation/equity mix.

About Us:

At ClarityPay, we’re redefining consumer finance with smart, adaptive lending solutions that make financial clarity and affordable credit accessible to all. Based in NYC, our fast‑growing fintech empowers enterprise merchants with configurable “Pay Over Time” tools—from point‑of‑sale financing to loyalty‑integrated BNPL offers. We solve complex credit challenges with speed, precision, and intelligence—combining deep expertise with advanced tech to deliver better outcomes, every time.

Our values guide everything we do: we put merchants first, stay data‑driven, always know the why, learn relentlessly, and win together as a team. This clarity of purpose fuels our commitment to delivering exceptional customer experiences at speed and scale.

ClarityPay is an equal opportunity employer. We do not discriminate based on race, ethnicity, color, ancestry, national origin, religion, sex, sexual orientation, age, disability, veteran, marital status, or any other legally protected status.