Legal Counsel; US​/Commercial​/Fintech

About Us

You Lend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Stripe, Etsy, GoDaddy and Grubhub. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their SME merchant base. With You Lend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding.

We operate in 9+ geographies across the US, UK and EU.

We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

We are seeking a top-performing, smart and motivated individual to join our legal team in Atlanta
. You will work with the legal team and the wider company to deliver growth against ambitious targets (>doubling each year) and support You Lend’s rapidly growing US business.

If you are a US-qualified attorney, have at least 3-5 years of experience in corporate, M&A, financing, financial regulatory, and/or fintech at a V100 law firm and are looking for an opportunity to leverage your experience in an in-house setting while expanding the breadth of your practice, this could be a great opportunity for you. The role will require you to advise our US business across a wide range of practice areas (including product, tech, commercial negotiation, regulatory, and capital markets), but is also highly varied and may also require you to advise across our other markets in the UK and EU.

You will be:

• Supporting the commercial team in negotiating major partnerships for You Lend, and drafting / updating bespoke partnership agreements. Some of You Lend’s partners include Shopify, Stripe, Etsy and Grubhub.
• Working cross-functionally with all arms of the business (including commercial, product, tech, sales, etc.) to provide pragmatic and business-minded legal advice.
• Structuring and refreshing our product offerings and partnership models to navigate the dynamic US fintech regulatory landscape.
• Conducting ongoing review and updating our merchant financing agreements in light of market / regulatory / partner-specific developments.
• Driving development and launch of innovative financing products to serve our SME customer base.
• Managing corporate governance and structuring matters for our US business.
• Drafting, reviewing and negotiating various commercial contracts and other legal documents.

You have:

• US (preferably Georgia, New York or California) qualification with at least 3-5 years of professional experience as a transactional (corporate, M&A, financing, fintech and/or capital markets practice) or financial regulatory lawyer from a V100 law firm.
• A keen interest in Fintech and You Lend’s SME financing products.
• Desire to work with a geographic focus on the US, while also assisting across multiple jurisdictions.
• Knowledge and understanding of financing products, commercial transactions and corporate law.
• Exposure to a broad range of commercial and technology law issues and experience across a range of commercial contracts.
• Desire to broaden your practice and a willingness to learn.
• A fast, self-driven learner who can gain rapid familiarity with complex products, solutions and legal frameworks and maintain knowledge of those changing products, solutions and legal frameworks.
• Solutions orientated with excellent time management, planning and organisational skill.

The following would be useful:

• Prior fintech (in-house or otherwise) experience.
• Experience with financing, banking and/or capital markets practice.
• Experience advising on financial regulatory matters in the US, in particular around SME financing.
• Working on cross-border transactions with international, multicultural teams.

Why join You Lend?

• Award-Winning Team: Won "In-House Banking & Financial Services Team of the Year" at The Lawyer Awards 2024, showcasing our commitment to excellence and industry leadership. Shortlisted at the British Legal Awards 2024 hosted by  International for In-House Legal Team of the Year and General…