Senior Product Counsel, Mortgages

Ladders; United States; Remote; USD 164,000 - 263,000; Full time

Benefits offered by this job

Remote work flexibility

Equity awards

Collaborative work environment

Job summary

Our client is seeking a Senior Product Counsel, Mortgages to partner with product, engineering, AI/ML, and business teams. The role focuses on bringing mortgage offerings from concept to launch while navigating consumer lending regulations and complex disclosures.

Ideal candidates translate mortgage requirements into actionable business advice, support innovation, and guide cross-functional decision-making in a fast-moving, regulated environment. This is a remote US-based opportunity.

Qualifications

• JD with active state bar admission in at least one jurisdiction.
• 7+ years of experience in consumer finance, mortgage, or product counseling.
• Strong knowledge of mortgage and consumer lending regulations (RESPA, TILA, ECOA, UDAAP).
• Experience advising on product development and regulatory issues.

Responsibilities

• Serve as the primary legal contact for mortgage products from concept to launch.
• Advise teams on state and federal mortgage regulations.
• Collaborate with AI/ML teams on compliance for AI-enabled features.
• Provide risk-calibrated guidance on product design and disclosures.
• Draft and negotiate commercial and data-rights agreements.
• Educate teams on mortgage and lending legal requirements.

Skills

Mortgage product counsel

Regulatory interpretation

Cross-functional collaboration

Legal risk analysis

Negotiation of agreements

AI/ML regulatory awareness

Communication to non-lawyers

Project management

Job description

For our client, we are seeking a Senior Product Counsel, Mortgages to join the team of a leader in the Real Estate & Construction space.

This role will serve as a key legal partner to product, engineering, AI/ML, and business teams, helping bring mortgage offerings from concept through launch. The position will provide practical, risk-calibrated legal guidance on consumer lending regulations, product design, disclosures, and commercial agreements in a highly regulated and fast-moving environment.

It is well suited for an attorney who can translate complex mortgage and consumer finance requirements into clear business advice while supporting innovation and cross-functional decision-making.

Location: Remote

Compensation: $164,400 - $262,600 annually

Responsibilities

• Serve as the primary legal contact for mortgage products, guiding them from concept to launch
• Advise teams on state and federal mortgage regulations
• Collaborate with AI/ML teams on compliance for AI-enabled product features
• Provide risk-calibrated guidance on product design and disclosures
• Deliver legal risk analysis and recommendations to senior management on key initiatives
• Draft and negotiate commercial and data-rights agreements
• Partner with cross-functional teams to resolve legal matters
• Educate teams on mortgage and lending legal requirements to support informed decision-making

Qualifications

• 7+ years of experience in consumer finance, mortgage, or product counseling, preferably in-house at a mortgage lender, fintech, or prop tech company
• JD with active state bar admission in at least one jurisdiction
• Strong understanding of mortgage and consumer lending regulations, including RESPA, TILA, ECOA, and UDAAP
• Experience in product development advising and practical guidance on regulatory issues
• Proficient in drafting and negotiating commercial agreements, such as vendor and technology agreements
• Familiarity with adjacent regulatory frameworks like GLBA and TCPA, and emerging AI regulations is a plus
• Excellent communication skills to convey legal implications to non-lawyers
• Strong organizational skills to manage multiple projects independently

Benefits

• Remote work flexibility from any U.S. location
• Opportunity for equity awards based on performance
• Access to a collaborative and innovative work environment
• Engagement with cutting-edge AI and product development
• Professional growth in a dynamic regulatory landscape

Our client is an equal opportunity employer.