Sr Corporate Counsel, Consumer Lending Partnerships & Marketplace

Current Employees of Happen Bank: Please apply via your internal Workday Account

Happen Bank(formerly LendingClub)is built around a simple purpose: to clear the way to help people turn intention into action and action intofinancial progress. That means offering focused products a frictionless mobile-first experience and clear terms with no gotchas. Respect and fairness is part of our DNA and that ideal shapes how we work how we treat each other and how we invest in our employees and our community. Join us in using data bold thinking and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role

Happen Bank is seeking a Sr Corporate Counsel to provide strategic legal guidance and transactional support across our consumer lending partnerships and investor marketplace this role youll draft and negotiate complex commercial agreements advise on lending programs across home improvement home equity and auto lending and support institutional loan sales and securitization transactions.

Youll partner closely with business leaders Legal Compliance Finance and other cross-functional teams to navigate complex transactions manage legal risks and enable responsible business growth in a fast-paced regulated environment.

What Youll Do

• Draft and negotiate complex commercial agreements with strategic partners including lending platforms networks and referral partners supporting Happen Banks home improvement home equity and auto lending programs

• Develop and maintain standardized agreements negotiation playbooks and fallback positions that enable efficient consistent onboarding of strategic partners

• Provide day-to-day legal guidance on lending program structures new launches product changes partner performance and disputes helping business teams navigate legal risks and achieve business objectives

• Serve as a trusted legal advisor to Happen Banks investor marketplace business supporting investor onboarding marketplace operations and ongoing legal matters

• Draft and negotiate loan sale and servicing agreements and related documentation for sales of the Banks consumer loans to institutional investors

• Partner with Capital Markets Finance Credit and outside counsel to support securitization transactions

• Manage legal aspects of transactions throughout their lifecycle including closing deliverables amendments investor inquiries diligence requests and repurchase or breach claims

• Develop and maintain a practical understanding of applicable legal and regulatory requirements for consumer lending loan sales and securitizations including consumer protection fair lending privacy and banking regulations escalating matters to Regulatory Counsel and Compliance as appropriate

• Contribute to Legal Department and cross-functional initiatives projects and other business priorities as needed

About You

• 6 years of experience in corporate transactions commercial contracting securities or a related legal practice gained through law firm and/or in-house experience

• Juris Doctor (J.D.) degree and active membership in good standing with a state bar

• Strong legal drafting negotiation analytical and problem-solving skills with the ability to navigate complex commercial transactions and deliver practical business-oriented legal advice

• Experience managing multiple transactions and competing priorities independently with strong organization attention to detail and proactive deadline management

• Strong communication and relationship-building skills including the ability to listen effectively adapt your communication style and influence stakeholders across different functions and levels

• Strong business judgment with the ability to understand how legal considerations intersect with commercial operational financial and regulatory objectives

• You thrive in a fast-paced evolving environment approach challenges with curiosity and flexibility and proactively identify solutions while taking ownership of outcomes

• Genuine interest in consumer lending fintech and emerging business models with a willingness to learn new areas and contribute beyond your immediate responsibilities

• Strong proficiency with office productivity applications and other tools that support legal drafting document management and transactional workflows

• You have hands-on experience using AI tools to improve legal research drafting document review diligence and contract management and youre comfortable sharing effective approaches with colleagues while applying sound judgment around accuracy confidentiality privilege and appropriate human oversight

Nice to Have

• Experience in a bank lending company or fintech

• Experience with consumer loan sales securitizations structured finance or marketplace lending

• Familiarity with the regulatory framework for consumer lending including TILA FCRA UDAAP privacy and applicable federal and state lending laws

Work Location

San Francisco or Lehi

The above locations are eligible offices for this locations have been determined to foster in-person collaboration with this roles team or the related business lines. We utilize a hybrid work model and our teams are in-office Tuesdays Wednesdays and -person attendance is essential for this roles success and remote placement will not be Bank offers relocation based on actual job level.

Time Zone Requirements

Local hours (PT MT)

While the position will primarily work local hours Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements

As needed travel to Happen Bank offices and/or other locations as needed.

Compensation

The target base salary range for this position is 00. The base salary of the role will be determined by job-related knowledge experience education skills and location. Base salary is just one part of Happen Banks Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance employee performance and eligible earnings).

Were creating new financial services solutions for our members based on fairness simplicity and heart and we treat our employees the same way. We offer a competitive benefits package that includes medical dental and vision plans for employees and their families 401(k) match health and wellness programs flexible time off policies for salaried employees up to 16 weeks paid parental leave and more.

#LI-Hybrid

#LI-BC1

Happen Bank is an equal opportunity employer and dedicated to diversity equity and inclusion in the workplace. We do not discriminate on the basis of race religion color national origin sex (including pregnancy childbirth reproductive health decisions or related medical conditions) gender gender identity gender expression sexual orientation age marital status veteran status disability status political views or activity or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability please contact us at

Notice on AI Tool Use

For select roles and locations candidate interviews may be recorded transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.

You will have the opportunity to opt out of recording transcription and summarization prior to any scheduled interviews. We will not discriminate against you if you choose to opt out.

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We will only share your interview transcription or summary with persons whose expertise or technology is necessary to process your application evaluate your fitness for a position and administer or support the tool. We will not sell your personal information or disclose it to any third party for their marketing purposes. For more information about how we will handle your personal information please refer to our Privacy Disclosure .

We will delete any recording of your interview promptly but in no event later than 30 days after making a hiring decision.

Required Experience:

Senior IC