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About the Role
Reporting to the General Counsel, the Corporate Counsel will serve as a cross-functional legal partner, advising primarily on servicing, collections, and litigation matters and supporting other areas as needed. This is a high-ownership role suited for a structured, detail-oriented, and impact-driven attorney who thrives in a fast-paced and dynamic environment.
Responsibilities
- Advise cross-functionally to ensure compliance with state and federal requirements relating to servicing and collections.
- Draft and review policies and procedures for servicing and collections.
- Track changes to applicable servicing and collections requirements.
- Monitor escalations to identify patterns and risks.
- Investigate, document, and remediate systemic gaps.
- Manage arbitration agreements.
- Work with Product and Servicing teams to continuously improve products and user flows based on learnings.
- Optimize triage, investigation, and resolution strategy across all types of escalations.
- Manage all contentious matters, with targeted support from outside counsel where appropriate.
- Streamline processes and forms for contentious matters.
- Advise on agreements with vendors, debt buyers, and other third parties involved in servicing and collections.
- Review SLA requirements for third-party agreements.
- Ensure chain-of-title documentation for debt sale programs.
- Draft and review consumer-facing notices and other communications relating to servicing and collections.
- Advise on hardship, deferral, re-age, and charge-off program compliance.
- Test and implement AI features to automate workflows.
- Build AI agents and playbooks to support automated workflows.
- Undertake additional projects and duties based on evolving business needs.
Requirements
- J.D. from an accredited law school.
- Active bar membership (New York or California preferred).
- 8+ years of legal experience.
- Meaningful time at a top-tier law firm.
- In-house experience at a high-growth technology or fintech company.
- Demonstrated experience advising on servicing, collections, and litigation matters in consumer finance.
- Strong business judgment.
- Ability to identify and escalate material legal risks.
- Ability to propose practical solutions to business partners.
- Experience with AI and building automated workflows.
- Highly organized with exceptional attention to detail.
- Ability to manage a high-volume, multi-workstream portfolio.
- Can-do attitude and willingness to jump in where needed.
Skills
- Servicing
- Collections
- Litigation
- Consumer Finance Law
- AI
- Automated Workflows
Location
- San Francisco, CA (Financial District)
Work Type
- On-site
- Relocation assistance available
Experience Level
- 8+ years of legal experience
Education Level
- J.D. from an accredited law school
- Active bar membership
Salary/Compensations
- $220,000 - $270,000
Benefits
- Meaningful start-up equity
- 100% health, vision & dental primary coverage
- 75% health, vision & dental dependent coverage
- Catered lunches and dinners
- $250/month commuter benefit
- Parental leave
- Team building events
- Flexible PTO with a minimum of 15 days off per year
- 401(k) plan
- Relocation assistance
About the Company
- Cardless is a Series C consumer fintech that makes it easy for the world's largest brands to build credit cards into their ecosystems.
- Brands use Cardless to configure, launch, and grow credit card programs that delight their customers and strengthen their core business.
- Customers include Coinbase, Bilt Rewards, Alibaba, Qatar Airways, and LATAM Airlines.
- Cardless powers cards on all three major networks (Visa, Mastercard, and American Express) and uses AI-powered servicing to operate at a fraction of the headcount traditional card issuers require.
- The company has scaled from $10 million to $150 million in run rate revenue in the past 12 months.
- Cardless raised a $60 million Series C led by Spark Capital in September 2025, bringing total funding past $170 million.
- The team is past 50 people and scaling toward profitability by year-end 2026.