Associate General Counsel, Collections, Servicing and Customer Operations

About the role

We're looking for an Associate General Counsel to own legal and strategic guidance across collections, servicing and customer operations, reporting to the Deputy General Counsel.

Responsibilities

• Owning day-to-day legal advice on collections, recoveries, and servicing.
• Negotiate and close contracts with debt sale counterparties, vendors, and technology providers.
• Track legal and regulatory developments as they land, including the fast-moving rules around AI in back-office and customer-facing tools, and help the business turn them into compliant products, services, and controls.
• Partner directly with the business on new initiatives that improve the servicing and collections experience, and with Compliance and Risk to sharpen consumer communications and internal processes alike.
• Spot issues and opportunities early, flagging them before they become urgent.

Requirements

• JD from an accredited law school and an active law license in good standing (a member of at least one bar, and in good standing in every bar where you're admitted)
• 7+ years practicing law at a large law firm or in a fintech/neobank/bank in-house environment, with real depth in federal and state credit card or collections law
• Deep understanding of the regulatory landscape governing credit card servicing, collections, and recoveries: FDCPA and state debt collection law, SCRA, Regulation Z, Regulation B, and UDAAP
• Expertise in the adjacent frameworks that come with running a credit card program: debt sales regulation, true lender doctrine, bankruptcy law, FCRA, MLA, TCPA, network rules, and AML/BSA and fraud requirements
• A track record of prioritizing and delivering across multiple, shifting projects at once, with the communication skills to brief anyone from frontline teams to senior leadership
• Strong, independent analytical judgment you trust enough to make calls in a fast-moving, still-forming environment
• Able to work fully remote, with travel of roughly once a quarter for 2 to 5 days
• A high standard of ethics and integrity, matched by genuine strategic instinct

Qualifications

• Minimum qualifications: JD from an accredited law school and an active law license in good standing (a member of at least one bar, and in good standing in every bar where you're admitted)
• Preferred qualifications: In-house experience at a national bank, or outside counsel experience advising one; Collections and recovery-specific experience within your credit card or lending concentration; Deep regulatory expertise in an adjacent specialty, AML/BSA, fraud, or vendor and technology contracts

Skills

• Ability to ask "why do we do it this way?" and find answers
• Experience in federal and state credit card or collections law
• Understanding of regulatory landscapes governing credit card servicing, collections, and recoveries
• Expertise in adjacent frameworks related to credit card programs
• Strong analytical and decision-making skills
• Effective communication and project management skills

Benefits

Comprehensive benefits package including paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-first work environment.

Pay

Annual full-time starting base salary range: $178,000 - $225,000

This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs.

Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan.

Schedule

Full-time position with remote work flexibility.

Travel of roughly once a quarter for 2 to 5 days.

About Mission Lane

Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia.

It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do.

In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores.

Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.

Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member.

Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status.

Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting peopleexperience@missionlane.com.

Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.

Application Integrity:

Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete.

Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.

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