Product Counsel

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

Upgrade’s growing Legal team is seeking a Product Counsel to provide legal guidance on a variety of financial products offered through Upgrade and related initiatives. You’ll work cross-functionally as we help develop new products and advise on legal risks and regulatory compliance. The legal issues you'll encounter are cutting edge and always evolving. The successful candidate will be skilled at building strong relationships, working in the unknown while balancing legal risks, and comfortable working in a fast-paced and dynamic environment.

Candidates who can work in a hybrid capacity from our San Francisco office are preferred, but remote candidates will be considered.

What You’ll Do: 

• Review new products and features from early stages of development through launch, advising on legal risks while providing practical legal advice
• Work closely with Product, Compliance, Marketing, Engineering, Risk and other teams to help bring new products and features to market while ensuring legal and regulatory compliance
• Draft consumer facing agreements (loan agreements, TILA disclosures, program terms, etc.) and review marketing collateral
• Research and spot issues related to consumer protection laws and regulations, commercial agreements, privacy, and other legal requirements
• Prioritize workload to set goals and meet deadlines in a fluctuating and sometimes ambiguous business environment
• Own your projects with a can-do attitude and a willingness to jump in where needed – no job is too big or too small – and some may not exactly fit in the four corners of this job description

What We Look For:

• J.D. and Bar membership in good standing
• 5+ years advising financial institutions/fintech companies as a lawyer at a leading law firm or in-house legal department
• Innate curiosity, desire and ability to learn rapidly
• Resiliency and comfort serving as a trusted business partner
• Quick adopter of new and evolving technology
• A team player with a sense of humor and self awareness

Nice to Have:

• Big Law and fintech startup experience

What We Offer You: 

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance 
• Flexible PTO 
• Learning stipend for personal growth and development 
• Paid parental leave
• Health & wellness initiatives
• Relocation expenses (if appropriate)

The compensation range of this position in San Francisco, CA is USD $200,000 - $230,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

#BI-Hybrid   #LI-Hybrid

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.