Senior Corporate Counsel, Structured Finance

Sunbit•Los Angeles, CA

9h•$175,000 - $275,000•Hybrid

About The Position

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app. We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other. What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants. We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale. Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence. As the Senior Corporate Counsel, Structured Finance, you will serve as the lead legal partner to a dynamic capital markets team. You will play a pivotal role in managing legal aspects of the entire transaction lifecycle, from initial structuring to negotiations to closing to post-closing matters.

Requirements

Experience: 6+ years of dedicated hands-on substantive experience in structured finance, specifically focused on unsecured consumer financial products.
Proven Track Record: You must have substantial hands-on experience and served as the "lead" or a critical player on a variety of the structured finance deals, such as warehouse facilities, forward flow sale agreements, and ABS offerings.
Background: A combination of law firm training and in-house experience at a FinTech, financial services company, or financial institution is preferred.
Must be impeccably organized and exhibit full ownership over the projects at hand.
JD or LLM degree from an ABA-accredited university and active CA State Bar membership in good standing, or eligibility to practice as Registered In-House Counsel (Rule 9.46)

Responsibilities

Lead Transactional Execution: Take primary responsibility for reviewing, drafting, and negotiating, complex financing transactions, including warehouse credit facilities, forward flow loan sales, and Asset-Backed Securitizations (ABS).
End-to-End Transactional Management: Manage the entire deal process, including coordinating with outside counsel, internal and external counterparts, handing due diligence process, performing day-to-day management of the legal portion of the project from inception to post-closing covenants, and developing comprehensive checklist of any post-closing requirements.
Advising Business on a Day-to-Day Basis: Develop an in-depth understanding of the consumer credit products offered by Sunbit and advise business and capital markets teams on requirements and restrictions imposed by the existing funding sources and work on aligning the products with transactional requirements, including handling amendments to the transactional documents.
Contract Lifecycle Management: Assist with broader corporate legal needs, including vendor contract reviews, intercompany agreements, and supporting general transactional workflows.
Perform Other Tasks as Required: Assist with a variety of legal projects, including corporate, regulatory and other matters.
Cross-Functional Collaboration: Act as a strong team player by partnering with Finance, Treasury, Risk, and Product teams to ensure financing structures align with business goals.

Benefits

Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024)
Mission driven + empowered + collaborative
Competitive pay and stock options
Unlimited PTO
Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Parental Leave
Newly added HSA and Pet Insurance
401K Plan with Matching
Cell Phone Stipend
Casual Dress
Team based strategic planning + Team owned deliverables