Associate General Counsel

We are a leading national consumer finance company with a 15-year legacy of stability and success. Following our recent acquisition and the appointment of a new CEO, we are entering a transformative chapter, pivoting toward a high-growth, tech-forward, and entrepreneurial future.

We are seeking a Counsel to provide strategic legal guidance across the organization while supporting day-to-day business initiatives and long-term corporate objectives. This role serves as a trusted advisor to senior leadership, offering practical legal counsel on consumer finance, regulatory compliance, litigation management, licensing, contracting, and enterprise risk matters. Operating with significant independence, Counsel plays a key role in helping the organization navigate complex legal and regulatory environments.

Key Responsibilities

• Provide legal advice and strategic counsel to leaders across Credit, Funding, Collections, Servicing, Sales, Marketing, People Operations, Risk, Treasury, IT, and Finance.
• Act as a key legal advisor to the Compliance Department, assisting with the interpretation of laws, regulations, and emerging regulatory requirements.
• Support cross-functional projects and business initiatives, helping ensure compliance with applicable federal and state consumer finance laws.
• Manage and oversee litigation, regulatory inquiries, examinations, and enforcement matters, including coordinating with outside counsel when appropriate.
• Review and guide responses to escalated customer complaints, regulatory complaints, and consumer protection inquiries.
• Draft, negotiate, and review a broad range of agreements, including technology contracts, vendor agreements, leases, and other business contracts.
• Lead the acquisition, maintenance, renewal, and oversight of company licensing requirements across all 50 states and the District of Columbia.
• Serve as the primary liaison with state and federal regulators regarding licensing, examinations, audits, and regulatory requests.
• Monitor legal and regulatory developments impacting the business and provide proactive guidance to mitigate risk.
• Mentor and provide guidance to less experienced members of the Legal Department and support departmental development initiatives.
• Perform other duties as required or assigned.

Who You Are

• The Strategic Advisor: You can translate complex legal and regulatory issues into practical business guidance that enables informed decision-making and supports organizational goals.
• The Consumer Finance Expert: You possess extensive knowledge of consumer finance laws and regulations and can serve as a trusted subject matter expert across the organization.
• The Relationship Builder: You develop strong partnerships with business leaders, regulators, outside counsel, and cross-functional stakeholders while maintaining credibility and professionalism.
• The Problem Solver: You balance legal risk with business priorities, identify practical solutions, and effectively manage multiple complex matters simultaneously.
• The Leader: You enjoy mentoring others, sharing your expertise, and helping build a collaborative, high-performing legal team.

Qualifications

• Experience: Minimum of 10 years of legal experience with significant exposure to consumer finance, compliance, regulatory matters, and risk management. Auto finance industry experience is strongly preferred.
• Industry Knowledge: Strong working knowledge of consumer finance laws and regulations, including areas such as TILA, ECOA, FCRA, FACTA, GLBA, FDCPA, TCPA, SCRA, EFTA, ESIGN, UDAAP, OFAC requirements, and related federal and state laws.
• Leadership: Demonstrated ability to influence senior leaders, lead complex legal initiatives, and achieve results through collaboration.
• Communication: Exceptional written, verbal, negotiation, and presentation skills with the ability to communicate effectively across all levels of the organization.
• Organization: Strong project management skills with the ability to manage multiple priorities in a fast-paced environment.
• Technical Skills: Proficient in Microsoft Office applications, including Outlook, Word, Excel, and PowerPoint.

Education

• Juris Doctor (J.D.) degree required.
• Active state bar membership in good standing required in Pennsylvania.

Location & Work Schedule

• Location: Remote opportunity or hybrid at our Chadds Ford, PA, Tempe, AZ, or Coppell, TX locations.
• Schedule: Regular business hours with flexibility to support business initiatives, regulatory matters, and legal priorities as needed.

Why Join Us?

This is a unique opportunity to join a growing organization at a pivotal moment of transformation. As a senior member of the Legal team, you will play a critical role in shaping the organization's legal strategy, managing regulatory risk, and supporting innovative business initiatives. You'll have the opportunity to work closely with executive leadership, influence key decisions, and help drive the future success of a company investing heavily in technology, growth, and operational excellence.