Senior Product Counsel – Lending

Role Overview

• Drive Product Strategy & Innovation: Be the strategic legal voice enabling product innovation across our credit and lending portfolio. Partner closely with business teams and fintech partners from ideation through launch, anticipating challenges and architecting creative solutions that balance business needs with regulatory requirements. Advise on credit product structuring, and the legal implications of new lending features and partnership models.
• Own Regulatory Architecture: Build and evolve regulatory frameworks for existing and new products. Leverage your deep expertise in TILA, ECOA, UDAAP, FCRA, state usury and licensing laws, the evolving EWA space, federal preemption, and true lender risk. Partner with compliance and risk teams to develop scalable approaches that protect the business while enabling growth.
• Lead Subject Matter Expertise: Be the go-to authority on legal and regulatory requirements impacting the credit and lending business lines. Share insights on regulatory developments and their practical implications. Help establish Column as a thought leader in banking infrastructure.
• Structure Bank-Fintech Lending Partnerships: Lead the legal structuring of loan agreements, line of credit products, EWA lending and non-lending offerings, and BNPL partnerships. Draft and review key customer-facing terms and marketing materials, structure onboarding flows and applications, determine BSA/AML requirements, conduct true lender analyses, and own every legal detail of rolling out a new Column-backed product. Work closely with engineering to design a flow-of-funds model and reflect that product structure in legal documentation.
• Leverage Technology & AI: Embrace and drive the adoption of technology — including AI and automation tools — to increase the efficiency, speed, and scalability of legal workflows. Identify opportunities to use AI and partner with engineering teams to build legal tooling that gives Column a structural advantage.
• Scale Operations: Design and implement legal processes that can scale with hypergrowth. Improve partner onboarding efficiency while maintaining robust compliance. Build repeatable frameworks that enable the business to move faster. Develop template loan program agreements, disclosure packages, and servicing frameworks that accelerate new partnership launches.

Requirements

• Currently licensed in a U.S. state, J.D. or equivalent, with 7–15+ years as a practicing lawyer; priority given to candidates with both law firm experience and in-house experience at a fintech and/or a financial institution.
• Deep expertise counseling product teams on banking infrastructure and embedded finance solutions, with particular depth in consumer and/or commercial lending regulatory frameworks.
• Comprehensive knowledge of the regulatory framework governing banking partnerships and fintech services.
• Deep working knowledge of TILA/Regulation Z, ECOA/Regulation B, FCRA, UDAAP, state usury laws, rate exportation and valid-when-made frameworks, state licensing regimes (servicing and collections), BSA/AML, and true lender doctrine.
• Experience structuring agreements and advising on bank-fintech lending partnerships.
• Familiarity with loan sale, participation, and servicing agreements
• A strong desire to work at the center of fintech/bank innovation, coupled with comfort and experience making fast, sound, and supported risk decisions, especially where the legal landscape isn’t black and white.

Benefits

• Comprehensive health, dental, and vision plans, including options that are 100% covered by Column for you and 100% covered for your dependents!
• Comprehensive family planning and fertility benefits via partnership with Carrot, including reimbursement of up to $20,000 in qualified expenses
• FSA and HSA account options to enable use of pre-tax money for medical and dependent care expenses
• 401k plan, including self-directed brokerage options
• Flexible time-off policy
• take the time off that you want and need to relax and recharge
• 100% paid parental leave, including 16 weeks for birth mothers, 12 weeks for primary caregivers, and 8 weeks for secondary caregivers
• Catered lunches and dinners for SF employees
• Commuter benefits
• Regular team building events, including annual offsite