Commercial Counsel (Capital Markets & Fintech)

About Lendable

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s newest unicorns with a team of just over 700 people

• Among the fastest-growing tech companies in the UK

• Profitable since 2017

• Backed by top investors including Balderton Capital and Goldman Sachs

• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

Join us if you want to

1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1

2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

About the Role

We're hiring a commercially-minded attorney to join our fast-growing legal team. This role sits at the intersection of commercial contracting and capital markets, with a strong focus on our bank partnership model. You'll be a key partner to our business, product, and finance teams — drafting, negotiating, and scaling the commercial agreements that power our fintech platform.

The ideal candidate is scrappy, adaptable, and energized by startup life. You don't just draft contracts — you build systems, templates, and playbooks that let the legal function scale with the business. You're fluent (or eager to become fluent) in AI and automation tools like Wordsmith, and you see them as force multipliers, not threats.

Key Responsibilities

• Draft, review, and negotiate a broad range of commercial agreements, including vendor, SaaS, data, marketing, partnership, and services agreements.

• Lead commercial workstreams supporting our capital markets activities, including warehouse facilities, forward flow arrangements, loan sale and purchase agreements, servicing agreements, and related transaction documents.

• Advise on and paper agreements within our bank partnership model, including program agreements, servicing arrangements, and related ancillary documents.

• Partner closely with business, finance, product, and compliance teams to translate commercial objectives into clean, practical contract terms.

• Build and maintain scalable contract templates, playbooks, and standard positions to accelerate deal velocity.

• Own and optimize the contract lifecycle using AI and automation tools (e.g., Wordsmith) — from intake to drafting to execution to post-signature tracking.

• Identify opportunities to automate repetitive legal workflows and partner with internal stakeholders to implement them.

• Support diligence and legal workstreams for financing transactions and strategic partnerships as the company grows.

Qualifications & Skills

• Experience: 3–5 years of practice experience at a top law firm and/or in-house at a fintech or financial services company. Prior fintech experience strongly preferred.

• Capital Markets Expertise: Demonstrated experience with capital markets transactions — warehouse financings, forward flows, whole loan sales, securitizations, or similar structures. Experience in the fintech bank partnership model is strongly preferred.

• Commercial Drafting Chops: Strong drafting and negotiation skills across a wide variety of commercial agreements, with the ability to balance legal risk and commercial pragmatism.

• Tech-Forward Mindset: Comfortable — and ideally excited — to work with AI and automation tools (Wordsmith, LLMs, CLM platforms) for drafting, review, and workflow automation. Early adopters strongly preferred.

• Startup DNA: Scrappy, adaptable, and low-ego. You thrive in ambiguity, move fast, and are comfortable making judgment calls with incomplete information.

• Collaborative Operator: Clear communicator who can partner effectively with non-lawyers across business, product, engineering, and finance.

• Education: J.D. from an accredited U.S. law school; active bar membership in good standing.

Why Join Us

You'll join a lean, high-caliber legal team at a pivotal moment of growth. This is a high-impact role with meaningful ownership — you'll help shape how we contract, how we partner with banks, and how we build a modern, AI-native legal function.

Life at Lendable

• Winning team: the opportunity to scale up one of the world’s most successful fintech companies

• Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites

• Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls

• Health coverage: support for your physical and mental wellbeing, including private health cover

• Retirement & savings: long-term financial wellbeing through retirement savings plans

• Employee referral programme: earn a competitive bonus when you refer successful new team members

• Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations

• Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

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