Senior Corporate Counsel, Structured Finance

JOB TITLE: Senior Corporate Counsel, Structured Finance 

LOCATION: Los Angeles, Hybrid

REPORTS TO: General Counsel

The Company

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.

The Role

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.

What you’ll own:

• 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.

What You’ll Bring:

• 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)

The Perks:

• 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

How We Pay:

We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership.

We are targeting a salary of $175,000 - $275,000 per year for this role

This role will also be granted company equity via stock options

Core Competencies for Success in Role – fit for Sunbit in role

• Serve others before self - Enhance customer and colleague security by implementing robust measures and providing effective security training programs.
• Own the impact - Ensure the effectiveness of security policies and procedures, manage risks, conduct assessments, and maintain regulatory compliance.
• Connect genuinely - Build strong relationships with team members and vendors, communicate security risks clearly, and deliver engaging awareness programs.
• Act fast - Respond quickly to security threats and vulnerabilities, and manage security projects efficiently to ensure timely compliance with regulations.
• Include always - Involve all employees in security initiatives, making cybersecurity a collective responsibility.
• Innovate for good - Use cutting-edge technologies and best practices to continuously improve Sunbit's cybersecurity measures and protect customer data.

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.

Recruitment Fraud Disclaimer

We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at hr@sunbit.com to confirm.

We ask that you contact hr@sunbit.com only about potential instances of fraud. hr@sunbit.com does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to hr@sunbit.com directly, and your email about your application will be deleted from our systems.

#LI-1Hybrid

Salary

• $175,000 - $275,000/year