Senior Legal Counsel

Role Overview

• Own, design, and continuously develop the company's compliance programme, taking end-to-end responsibility for ensuring the company meets all regulatory obligations applicable to a licensed creditor, including consumer credit regulation, advertising compliance, and AML/CFT requirements
• Manage regulatory correspondence, supervisory inquiries, licence-related filings, and notifications
• Monitor Estonian and EU regulatory developments and translate them into timely, actionable compliance guidance for the business
• Lead the end-to-end implementation of significant regulatory changes, including the transposition of the Consumer Credit Directive II (CCD II) into our products, processes, and documentation
• Coordinate cross-functionally across product, operations, finance, and marketing to deliver regulatory change programmes on time and to a high standard
• Conduct gap analyses, redesign internal policies and procedures, and ensure business readiness ahead of regulatory deadlines
• Act as the embedded legal partner throughout the product development lifecycle, from early concept to launch and iteration
• Assess the legal and regulatory feasibility of new credit products, features, and customer journeys at the outset
• Translate regulatory requirements, including pre-contractual disclosure obligations, SECCI, creditworthiness assessment rules, and APR requirements, into clear, practical product and process specifications
• Review advertising materials, customer communications, and digital product flows for compliance with consumer protection rules, responsible lending obligations, and advertising compliance requirements
• Draft, review, and negotiate commercial agreements, technology and vendor contracts, partnership agreements, and outsourcing arrangements
• Build and maintain standard contract templates and playbooks to increase speed and consistency across the business
• Explore and champion AI-powered legal tools to increase the efficiency and quality of our legal function
• Help build a forward-looking legal team culture where technology and expertise work together

Requirements

• Master's degree in law (Estonian or equivalent EU qualification) and 5+ years of legal experience with a strong focus on financial services regulatory compliance in Estonia
• Deep, hands-on knowledge of the regulatory framework applicable to licensed non-bank lenders in Estonia, including consumer credit regulation, advertising compliance rules, and AML/CFT obligations
• Demonstrated experience engaging directly with FI, TTJA, and/or the FIU/RAB
• Proven track record of translating regulatory requirements into actionable product and process specifications in a consumer lending or broader financial services context
• Demonstrated ability to track, enforce, and embed applicable regulatory requirements across the business, working collaboratively with internal stakeholders to ensure ongoing compliance is owned at the right level
• Strong project leadership skills, with experience driving complex, cross-functional projects and product launches from a legal and compliance perspective through to completion
• Experience acting as a legal and regulatory partner to product and marketing teams
• Strong commercial contract drafting and negotiation skills
• Experience managing external counsel, including scoping instructions, overseeing delivery, and managing costs
• A collaborative team player who works well across borders and functions, comfortable operating as part of a pan-Baltic team with colleagues in Estonia, Latvia, and Lithuania
• Fluent Estonian (C2) and English (C2), both written and spoken
• Experience leading or playing a senior role in a major regulatory change programme (e.g., EU directive implementation or a significant supervisory framework change) is a plus
• Familiarity with AI-assisted legal tools is a plus.

Benefits

• Be Part of Something BIG: Gain hands-on experience in a fast-growing fintech company.
• Work with the Best: Join a tight-knit, highly skilled team where open communication and collaboration drive success.
• Work Your Way: Enjoy a hybrid setup, balancing office time and remote work to suit your lifestyle.
• We’ve Got You Covered: Benefit from sick leave compensation, additional health days, and a flexible work environment that prioritizes your well-being.
• Stay Active and Connected: Take birthday leave, join fun team events, and enjoy plenty of opportunities to unwind.