Counsel, Law​/Legal

Overview

We are a new national consumer finance company, having recently acquired the operations of our predecessor. Following our acquisition and the appointment of a new CEO, we are entering a transformative chapter. With a workforce of 500+ professionals across our Dallas, Philadelphia, and Tempe hubs, we are pivoting toward a high-growth, tech-forward, and entrepreneurial future.

We are seeking an experienced Counsel to provide strategic and day-to-day legal support across the organization. In this senior role, you will partner with management and cross-functional teams to guide legal risk mitigation, support business objectives, and serve as a primary liaison for the Legal Department. We are a team of only two existing lawyers and thus, the successful candidate should have expertise in more than one area of consumer finance law.

A strong background in loan servicing and collections is a focal point. The selected candidate will also have expertise in two or more areas of consumer finance law, such as FCRA, TILA, ECOA, contract law, marketing regulations, and litigation management.

This position is ideal for a seasoned attorney who thrives in a dynamic and entrepreneurial environment, excels at translating complex legal requirements into practical guidance, and enjoys broad subject matter exposure.

• Provide daily legal counsel to management, the Compliance team, and project teams.
• Assist in managing legal risk across the company, including mentoring less experienced Legal and Compliance team members.
• Advise business leaders across Loan Servicing and Collections, Credit, Funding, Marketing, HR, Sales, Risk, IT, Treasury, and Finance.
• Deliver clear, actionable legal guidance that mitigates risk while supporting business goals.
• Collaborate with Compliance to assess laws, implement controls, and identify key risks.
• Support rollout of new products and projects, ensuring compliance with state and federal regulations.
• Review and guide responses to escalated customer and regulatory complaints.
• Assist with federal and state regulatory examinations.
• Draft and negotiate a variety of contracts, including corporate leases, technology agreements, business contracts, and debt sale agreements.
• Provide legal guidance in Loan Servicing, including disclosures, title issues, payments, repossessions, collateral sales, deficiency balances, and bankruptcy matters.
• Advise on responsible lending, ancillary products, refunds, and related compliance matters.
• Support Credit Reporting operations regarding the Credit Reporting Resource Guide, disputes, identity theft, and fraud issues.
• Provide legal guidance to Accounting and related operational teams, including fees, payment allocation, and posting issues.
• Advise Risk and Credit teams on adverse action letters, credit score disclosures, and pricing notices.
• Participate in strategic planning to identify efficient organizational structures.
• Monitor and interpret evolving federal and state legal developments.
• Expand subject matter expertise over time to support core areas of the business.

• A collaborative, business-minded attorney who can turn complex regulations into clear, actionable guidance.
• Skilled at balancing legal risk with operational needs.
• Effective communicating with leaders and cross-functional teams.
• Organized, detail oriented, and able to manage multiple priorities in a fast-paced environment.
• Comfortable working within consumer finance and auto lending environments.

• Juris Doctor (JD) + active bar membership.
• 10+ years of experience in consumer finance, regulatory compliance, or related legal work.
• Strong knowledge of indirect/direct auto lending and servicing operations.
• Demonstrated expertise in 3 or more areas of federal and state consumer finance law and regulation, ideally with strong knowledge of collections-related law.
• Proficiency with MS Office and Adobe tools.

• Location:
  
  This role offers a hybrid work schedule and is preferred for candidates to be based in or willing to commute to our offices in Chadds Ford, PA, Tempe, AZ, or Dallas-Fort Worth, TX.
• Schedule:
  
  Hybrid/Remote

We are an Equal Employment Opportunity Employer, committed to hiring and developing talent based on merit, qualifications, and business needs. This is a rare opportunity to take a stable, profitable company and inject it with the energy of a startup.

Ready to Apply? Explore career opportunities and learn more about our company at:

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