Corporate Counsel

Cardless•San Francisco, CA

23h•Onsite

About The Position

Cardless is transforming the credit card landscape by empowering innovative brands to offer their customers world-class, digital-first, and seamlessly integrated credit card experiences. Cardless is a Forbes Fintech 50 (2026). The company is seeking an exceptional Corporate Counsel to support its commercial and capital markets operations, with an interest in leveraging AI to build scalable legal processes. Reporting to the General Counsel, this role will serve as a critical legal partner, advising on a broad range of commercial and financing transactions and related matters. It is a high-ownership position for a structured, detail-oriented, and impact-driven attorney who thrives in a fast-paced and dynamic environment.

Requirements

J.D. from an accredited law school; active bar membership.
8+ years of legal experience.
Demonstrated experience drafting and negotiating commercial agreements in financial services, fintech, or technology sectors.
Familiarity with bank partner program structures and capital markets transactions in the fintech space (e.g., forward flow transactions, warehouse facilities, securitizations).
Strong deal instincts and commercial judgment; ability to identify and escalate material legal and business risks.
Experience with contract management platforms and AI legal technology, including AI-assisted drafting tools.
Highly organized with exceptional attention to detail and the ability to manage a high-volume, multi-workstream portfolio.
Possess a can-do attitude and a willingness to jump in where needed.

Nice To Haves

Active bar membership in New York or California.
Meaningful time at a top-tier law firm (corporate/finance transactional practice).
In-house experience at a high-growth technology or fintech company.

Responsibilities

Serve as a cross-functional legal advisor; build strong internal relationships and provide practical, solutions-oriented counsel.
Draft, review, and negotiate commercial agreements across all categories, including bank program agreements, co-brand partnership agreements, vendor/SaaS agreements, and DPAs.
Manage capital markets transactions, including forward flow transactions, warehouse credit facilities, and securitizations, in close collaboration with Finance and with targeted support from outside counsel.
Test and implement AI tools to automate as many workflows as possible (e.g., contract review, CLM); build contract and transaction playbooks to support these workflows.
Manage relationships with outside counsel on specialized matters, keeping work on budget and on scope.
Undertake additional projects and duties based on the evolving needs of the business.