Legal Counsel (Financing, Lending and Securitization)

Job description

***Join the Pioneer Crypto Brand in the Philippines!*** Coins is the most established crypto brand in The Philippines and has gained the trust of more than 18 million users. Through the easy-to-use mobile app, users can buy and sell a variety of different cryptocurrencies and access a wide range of financial services. Coins is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and is the first ever crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank. ### What you'll do - Provide clear and actionable counsel to the business on the group's financing, lending, and securitization activities, including the online lending platform (OLP) business. - Draft, review, and negotiate financing and credit documentation, including facility and loan agreements, promissory notes, security and collateral documents, guarantees, intercreditor and subordination agreements, and receivables purchase and assignment agreements. - Advise on and document securitization and structured finance transactions, including asset transfers, true sale and bankruptcy remoteness analysis, servicing arrangements, and investor documentation. - Advise on the regulatory perimeter for lending and financing, including SEC lending and financing company registration and OLP registration, the Truth in Lending Act, the Financial Products and Services Consumer Protection Act, interest rate and fee ceilings, permissible collection practices, credit information reporting, and data privacy in credit scoring and underwriting. - Support product, credit, and risk teams on OLP design, covering customer journeys, disclosures, terms and conditions, consent flows, marketing claims, and arrangements with funding partners, collection agencies, credit bureaus, and scoring vendors. - Handle regulatory engagements, examinations, and inquiries relating to the lending and financing business, and prepare responses to regulator correspondence. - Provide innovative legal solutions for complex projects involving new technologies to support commercial objectives, including the analysis and advice on new regulatory guidance in the fintech industry. - Provide practical advice on legal issues and risks in a risk-tolerant, but compliance-oriented environment, including the impact on the company's long-term strategy for business. - Serve as part of a multi-jurisdiction international legal team. - Attend case conferences and hearings with courts and government agencies. - Other responsibilities not listed here but reasonably assumed to be a function of the role, including other business lines and matters as may be assigned by the Chief Legal Officer. ### What we expect from you - Minimum 4 to 7 years of post-qualification experience, with substantive exposure to banking and finance, lending, consumer credit, or structured finance and securitization practice in the Philippines. - Working knowledge of the SEC lending and financing company and OLP frameworks, BSP regulations, and the consumer protection and data privacy requirements applicable to credit. - Demonstrated ability to draft and negotiate finance documentation independently. - Excellent judgment, analytical rigor, clear communication, and business pragmatism. - A good team player, agile, and can adapt to a fast-paced, high-intensity environment. - Motivated self-starter with a passion for payments and cryptocurrency and requires minimal supervision. - Fluency in English with outstanding writing and communication skills.