Product and Privacy Counsel

Kikoff•San Francisco, CA

2d•$225,000 - $275,000

About The Position

Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money. We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially. This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact.

Requirements

J.D. from an accredited law school.
Be an active member of the California state bar or registered in-house counsel in California.
5-8 years of legal experience, including meaningful time in litigation, product counseling, or regulatory practice.
A mix of law firm and in-house experience is a plus, but we are open to candidates coming directly from a firm.
Comfort operating in fast-moving, ambiguous environments, and a track record of turning legal research into clear, practical guidance rather than a memo full of caveats.
Good judgment, intellectual honesty about what you do and do not know, and a bias toward enabling the business rather than only identifying risk.
Eagerness and curiosity in learning new substantive areas of the law.
Strong written and verbal communication skills, with the ability to simplify complex legal concepts for non-legal audiences.
Experience and interest in the use of AI to support legal functions.
Enthusiasm for Kikoff's mission and the opportunity to expand access to financial services for underserved consumers.

Nice To Haves

Knowledge of federal consumer finance statutes (TILA, ECOA, FCRA, EFTA) and a willingness to build depth quickly in state lending and money transmission frameworks.
Familiarity with consumer data privacy laws (CCPA/CPRA, GLBA), or the appetite to get up to speed on advising product teams on data collection, use, and sharing practices.
Exposure to at least one of: credit-building or credit reporting products, earned wage access, consumer lending through bank partnership models, or payments.
Exposure to multi-state licensing or regulatory examination processes.

Responsibilities

Act as a day-to-day legal advisor to product and engineering teams throughout the product development lifecycle, from concept through launch and iteration, escalating novel or bet-the-company questions as appropriate.
Advise on the design, structuring, and regulatory implications of consumer financial products, including credit-building tradelines, earned wage access, lending, and new product concepts.
Research and apply federal and state consumer financial regulations.
Advise on data privacy and consumer data protection requirements.
Provide guidance on marketing and communications.
Track regulatory developments and translate them into practical, actionable product guidance.
Support state licensing applications, renewals, and compliance filings.
Draft, review, and negotiate consumer-facing terms and disclosures, a variety of different marketing materials, and commercial agreements.
Collaborate cross-functionally with compliance, risk, marketing, and operations to embed legal guardrails without slowing the pace of innovation.
Use AI to make the Legal function more effective and efficient.