Product Counsel

Role Overview:

ClarityPay is looking for a Product Counsel. This is a foundational hire for the legal and compliance team of a rapidly growing fintech, and it comes with built-in opportunity for professional growth and development.

This will be a broad-based role, focused primarily on regulatory and operational matters, along with commercial contracting support. This is an ideal opportunity for a rock-solid financial services regulatory attorney with a desire to become an in-house generalist. It could also be a great match for a fintech generalist that wants to develop subject matter expertise in the lending space.

Key Responsibilities:

• Serve as an in-house subject matter expert on the consumer and small business lending regulations, tracking relevant changes and directives that may impact the company or our partners.
• Take a lead role in establishing regulatory requirements for new product development and implementation.
• Support the ClarityPay team with accurate and pragmatic regulatory advice and in-depth legal risk assessments relevant to the company’s development and launch of new financial products.
• Support compliance and customer service teams on the resolution of inquiries and complaints from customers and regulators.
• Support compliance, business development, customer service, and other internal stakeholders in fielding legal and regulatory questions.
• Provide legal support for ClarityPay’s Compliance and Operational Risk Program.
• Support commercial contracting efforts with merchants and vendors.
• Collaborate on the development and improvement of internal policies, procedures, and processes.
• Project-manage various key legal and compliance projects.
• Support or own other legal projects as determined by the Chief Legal & Compliance Officer.

Qualifications:

• JD from a top tier law school and a license to practice in good standing in primary state of residence.
• 7+ years total legal experience.
• At least 2 years of law firm experience.
• Deep experience advising clients on consumer financial services matters.
• Contract drafting and negotiation experience.
• Strong legal research skills.
• Strong written and verbal communication skills.
• Ability to learn and leverage new technology quickly and effectively, including hands-on experience leveraging modern AI tools for legal work.

Bonus Points:

• Prior experience in fintech lending.
• Broad legal experience covering regulatory, transactional, and dispute resolution matters.
• Prior experience performing in-depth legal risk assessments on consumer financial services regulations.
• Experience supporting the compliance function of a consumer lender or lending platform.
• Experience working with regulators to quickly and effectively resolve inquiries, complaints, or information requests.

What We Offer:

• Competitive compensation and equity package.
• Comprehensive benefits (medical, dental, vision).
• Collaborative office culture with a strong product mindset.
• Opportunities to grow, lead, and shape the future of consumer finance.
• 401k program with employer match.

Role Details:

• Preference for candidates near our headquarters in New York, NY or the Minneapolis/St. Paul metropolitan area.
• Limited travel is expected, primarily for corporate gatherings and industry conferences.
• This role will report to the Chief Legal & Compliance Officer.

About Us:

At ClarityPay, we're redefining consumer finance with smart, adaptive lending solutions that make financial clarity and affordable credit accessible to all. Based in NYC, our fast-growing fintech empowers enterprise merchants with configurable “Pay Over Time” tools—from point-of-sale financing to loyalty-integrated BNPL offers. We solve complex credit challenges with speed, precision, and intelligence—combining deep expertise with advanced tech to deliver better outcomes, every time.

Our values guide everything we do: we put merchants first, stay data-driven, always know the why, learn relentlessly, and win together as a team.

Ready to redefine consumer lending with us?

Apply today and join a passionate team committed to making financial clarity a reality.