Associate General Counsel - Regulatory

At January, we're transforming the lives of consumers by bringing humanity to consumer finance. Our data-driven products help financial institutions streamline their collections, offering borrowers straightforward and compassionate solutions to regain financial stability and control over their lives. We're not just expanding access to credit – we're restoring dignity and giving millions of people the chance to achieve financial freedom.

About the Role

As our AGC - Regulatory, you won’t just navigate the complexities of the legal landscape. You’ll be a central partner in driving our business goals as we scale and continue to establish ourselves as the leading trusted partner for both creditors and consumers. You will play an instrumental role in our expansion into new product lines, partnering closely with our Product, Engineering, Ops, Compliance, and Sales teams.. You're a generalist who’s comfortable quickly becoming an expert in a heavily regulated industry, working across teams, and context shifting in a fast-paced environment. Reporting to our Chief Administrative Officer & General Counsel, you will help shape January’s legal culture and how we integrate creative, forward-thinking legal solutions in our business decisions and growth strategies. 

What You’ll Work On

• Champion Legal as an Accelerant: Bring a creative, solution-oriented approach to your work. Your role will play a central part in ensuring our legal approaches go beyond compliance and demonstrate innovation, paving the way for our entry into new product lines and geographies.

• Navigate Regulatory Complexity: Develop a deep understanding of our regulatory landscape to inform our risk philosophy and proactively guide our business, compliance, and technical teams as we navigate relevant laws and regulations. 

• Embody Excellence in Product Counseling: You’ll support our Product and Engineering teams as they develop new products and expand into new business lines, moving roadblocks and providing practical and actionable advice that’s rooted in creativity, ethics, and a growth mindset.

• Make Commercial Transactions Seamless: Review, draft, and negotiate our sales and vendor agreements, identifying opportunities for growth and commercial advantage. 

• Create Scalable Legal and Compliance Processes: Design and implement scalable legal processes that grow alongside our team and business, including in product counseling, contract processes, and litigation management.

• Support a Legal-Savvy Organization: Arm January’s business and product teams with the training and education to identify legal opportunities and pitfalls. 

What You Bring to the Table

• 5-8 years of experience in a legal role in a high-growth startup environment; experience in a regulated industry preferred.

• Strong experience working closely with product and engineering teams, providing critical legal insights that shape product strategy and development

• Comfort acting in a generalist capacity and managing a variety of legal areas, including product counseling, commercial contract review, and litigation management

• Demonstrated ability to align legal expertise with commercial objectives, and adept in legal aspects of product innovation and market expansion

• Demonstrated ability to navigate effectively in the ambiguous and rapidly changing environment of a growing startup

• Exceptional verbal and written communication skills, with the ability to articulate complex legal concepts to non-legal stakeholders

• A proactive, hands-on approach, ready to engage directly with various aspects of our business

We are currently hiring for this position in our New York office.

As a New York City-based company, we are dedicated to transparent, fair, and equitable compensation practices that reflect our commitment to fostering an environment where all team members are valued and supported. We encourage individuals from all backgrounds to apply.

We are an equal opportunity employer committed to diversity and inclusion in the workplace. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, age, veteran status, or any other legally protected characteristic.