Legal Counsel; US​/Commercial​/Fintech

You Lend is the preferred global embedded financing platform for many of the world’s leading e‑commerce sites, tech companies and payment services providers such as Stripe, Etsy, GoDaddy and Grubhub. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their SME merchant base. With You Lend’s AI‑driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding.

We operate in 9+ geographies across the US, UK and EU. We believe that the future of financial services will be delivered by customer‑oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.

We are seeking a top‑performing, smart and motivated individual to join our legal team in Atlanta. The role will require you to advise our US business across a wide range of practice areas (including product, tech, commercial, regulatory and capital markets), and may also involve advising across our other markets in the UK and EU.

• Supporting the commercial team in negotiating major partnerships for You Lend, and drafting/updating bespoke partnership agreements (partners include Shopify, Stripe, Etsy and Grubhub).
• Working cross‑functionally with all arms of the business (commercial, product, tech, sales, etc.) to provide pragmatic and business‑minded legal advice.
• Structuring and refreshing our product offerings and partnership models to navigate the dynamic US fintech regulatory landscape.
• Conducting ongoing review and updating of our merchant financing agreements in light of market, regulatory and partner‑specific developments.
• Driving development and launch of innovative financing products to serve our SME customer base.
• Managing corporate governance and structuring matters for our US business.
• Drafting, reviewing and negotiating various commercial contracts and other legal documents.

• US (preferably Georgia, New York or California) qualification with at least 3‑5 years of professional experience as a transactional (corporate, M&A, financing, fintech and/or capital markets practice) or financial regulatory lawyer from a V100 law firm.
• A keen interest in fintech and You Lend’s SME financing products.
• Desire to work with a geographic focus on the US, while also assisting across multiple jurisdictions.
• Knowledge and understanding of financing products, commercial transactions and corporate law.
• Exposure to a broad range of commercial and technology law issues and experience across a range of commercial contracts.
• Desire to broaden your practice and a willingness to learn.
• A fast, self‑driven learner who can gain rapid familiarity with complex products, solutions and legal frameworks and maintain knowledge of those changing products, solutions and legal frameworks.
• Solutions‑oriented with excellent time management, planning and organisational skills.

• Prior fintech (in‑house or otherwise) experience.
• Experience with financing, banking and/or capital markets practice.
• Experience advising on financial regulatory matters in the US, in particular around SME financing.
• Experience working on cross‑border transactions with international, multicultural teams.

• Award‑Winning Team:
  Won "In‑House Banking & Financial Services Team of the Year" at The Lawyer Awards 2024; shortlisted at the British Legal Awards 2024 for In‑House Legal Team of the Year and General Counsel of the Year.
• Award‑Winning Workplace:
  Recognised as one of the "Best Places to Work 2024" by the Sunday Times.
• Award‑Winning Fintech:
  Recognised as a "Top 250 Fintech Worldwide" company by CNBC.
• Stock Options.
• Private medical insurance via Vitality.
  
  EAP with Health Assured.
• Enhanced maternity and paternity leave.
• Modern and sophisticated office space in Central London.
• Free gym in office building in Holborn.
• Subsidised lunch via Feedr.
• Deliveroo allowance if working late in office.
• Monthly in‑office masseuse.
• Team and company socials.
• Football Power League / Squash Club.

At You Lend, we champion diversity and embrace equal‑opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.