Sr Corporate Counsel, Consumer Lending Partnerships & Marketplace

Tally; San Francisco (CA); Hybrid; USD 150,000 - 210,000; Full time

Job summary

Happen Bank is seeking a Sr Corporate Counsel to provide strategic legal guidance across consumer lending partnerships and investor marketplace businesses. You will draft and negotiate complex commercial agreements, support lending programs, and assist with loan sales and securitization transactions.

You will partner with business leaders and cross‑functional teams to navigate legal risks, advise on program structures, and ensure compliant growth in a regulated environment.

Qualifications

• J.D. degree and active membership in good standing with a state bar.
• Experience with corporate transactions, commercial contracting, securities, or related legal practice.
• Strong drafting and negotiation skills with ability to advise on complex transactions.
• Ability to manage multiple transactions and competing priorities with attention to detail.

Responsibilities

• Draft and negotiate complex commercial agreements with strategic partners for lending programs and investor marketplace businesses.
• Develop and maintain standardized agreements and negotiation playbooks for efficient partner onboarding.
• Provide day-to-day legal guidance on lending program structures, product changes, and disputes to manage legal risk.
• Serve as a trusted legal advisor to the investor marketplace business and support onboarding and ongoing legal matters.
• Draft and negotiate loan sale and servicing agreements for consumer loan sales to institutional investors.
• Support securitization transactions with Capital Markets, Finance, Credit, and outside counsel.
• Manage lifecycle of transactions including closing deliverables, amendments, diligence, and claims.
• Develop understanding of consumer lending regulations and escalate to Regulatory Counsel as needed.
• Contribute to cross-functional initiatives and other business priorities.

Skills

Legal drafting

Negotiation

Contract management

Regulatory compliance

Cross-functional collaboration

AI tools

Education

Juris Doctor (J.D.)

Tools

AI drafting tools

Job description

About the Role

Happen Bank is seeking a Sr Corporate Counsel to provide strategic legal guidance and transactional support across our consumer lending partnerships and investor marketplace businesses. In this role, you'll draft and negotiate complex commercial agreements, advise on lending programs across home improvement, home equity, and auto lending, and support institutional loan sales and securitization transactions.

You’ll partner closely with business leaders, Legal, Compliance, Finance, and other cross‑functional teams to navigate complex transactions, manage legal risks, and enable responsible business growth in a fast‑paced, regulated environment.

What You’ll Do

• Draft and negotiate complex commercial agreements with strategic partners, including lending platforms, networks, and referral partners, supporting Happen Bank's home improvement, home equity, and auto lending programs

• Develop and maintain standardized agreements, negotiation playbooks, and fallback positions that enable efficient, consistent onboarding of strategic partners

• Provide day‑to‑day legal guidance on lending program structures, new launches, product changes, partner performance, and disputes, helping business teams navigate legal risks and achieve business objectives

• Serve as a trusted legal advisor to Happen Bank's investor marketplace business, supporting investor onboarding, marketplace operations, and ongoing legal matters

• Draft and negotiate loan sale and servicing agreements and related documentation for sales of the Bank's consumer loans to institutional investors

• Partner with Capital Markets, Finance, Credit, and outside counsel to support securitization transactions

• Manage legal aspects of transactions throughout their lifecycle, including closing deliverables, amendments, investor inquiries, diligence requests, and repurchase or breach claims

• Develop and maintain a practical understanding of applicable legal and regulatory requirements for consumer lending, loan sales, and securitizations, including consumer protection, fair lending, privacy, and banking regulations, escalating matters to Regulatory Counsel and Compliance as appropriate

• Contribute to Legal Department and cross‑functional initiatives, projects, and other business priorities as needed

About You

• 6+ years of experience in corporate transactions, commercial contracting, securities, or a related legal practice, gained through law firm and/or in‑house experience

• Juris Doctor (J.D.) degree and active membership in good standing with a state bar

• Strong legal drafting, negotiation, analytical, and problem‑solving skills, with the ability to navigate complex commercial transactions and deliver practical, business‑oriented legal advice

• Experience managing multiple transactions and competing priorities independently, with strong organization, attention to detail, and proactive deadline management

• Strong communication and relationship‑building skills, including the ability to listen effectively, adapt your communication style, and influence stakeholders across different functions and levels

• Strong business judgment with the ability to understand how legal considerations intersect with commercial, operational, financial, and regulatory objectives

• You thrive in a fast‑paced, evolving environment, approach challenges with curiosity and flexibility, and proactively identify solutions while taking ownership of outcomes

• Genuine interest in consumer lending, fintech, and emerging business models, with a willingness to learn new areas and contribute beyond your immediate responsibilities

• Strong proficiency with office productivity applications and other tools that support legal drafting, document management, and transactional workflows

• You have hands‑on experience using AI tools to improve legal research, drafting, document review, diligence, and contract management, and you're comfortable sharing effective approaches with colleagues while applying sound judgment around accuracy, confidentiality, privilege, and appropriate human oversight

Nice to Have

• Experience in a bank, lending company, or fintech

• Experience with consumer loan sales, securitizations, structured finance, or marketplace lending

• Familiarity with the regulatory framework for consumer lending, including TILA, FCRA, UDAAP, privacy, and applicable federal and state lending laws

Work Location

San Francisco or Lehi

The above locations are eligible offices for this role. The locations have been determined to foster in‑person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in‑office Tuesdays, Wednesdays, and Thursdays. In‑person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements

Local hours (PT, MT)

While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements

As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation

The target base salary range for this position is 150,000-210,000. The base salary of the role will be determined by job‑related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long‑term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).

We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.

#LI-Hybrid

#LI-BC1

Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at [e-mail].

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