US Legal Counsel

About The Role

We’re hiring a Legal Counsel to join Cleo’s Legal, Compliance & Policy team in the US. This is a high-impact role for a commercially minded lawyer who can operate as a true generalist across product counseling, regulatory analysis, public policy support, litigation management, and commercial contracting.

This is an ideal role for someone who enjoys variety, wants meaningful ownership, and is excited by the chance to help shape the legal function at a scaling company. You’ll be the kind of lawyer who can move from advising on new credit products, to assessing proposed legislation, to managing outside counsel on litigation matters, to reviewing vendor agreements — all while partnering cross-functionally to help Cleo grow responsibly.

What You’ll Be Doing

• Advise on consumer credit products and regulatory issues
• Provide practical legal and regulatory advice to product squads and business stakeholders developing and scaling consumer credit products, and other adjacent offerings
• Help identify legal risks, interpret applicable laws, and support compliant product development
• Manage litigation and arbitration matters
• Support litigation, arbitration, and dispute-related matters by managing outside counsel, coordinating internal responses, and serving as a key interface between legal counsel and business teams
• Help oversee document requests, gather relevant information, and ensure matters are handled efficiently and strategically
• Review and negotiate commercial agreements
• Review, draft, and advise on vendor agreements, NDAs, and other commercial contracts
• Partner with business stakeholders to ensure contracts appropriately protect Cleo’s interests while supporting operational needs
• Partner cross-functionally across the business
• Contribute to the growth of Cleo’s legal program as an early team member, helping establish scalable processes, guidance, templates, and frameworks that enable the company to move quickly and responsibly

What We’re Looking For

• 5–7 years of legal experience practicing law, with a strong background in financial services, consumer financial regulation, or fintech
• Juris Doctor (JD) and active admission to at least one US state bar, with the ability to practice law in the role
• Experience advising on consumer credit products and related legal and regulatory frameworks
• Strong experience providing legal guidance to business teams on new products, regulatory change, and evolving legal requirements
• Familiarity with legal and regulatory issues relevant to products such as credit card products, installment loans, or similar consumer finance offerings
• Experience reviewing, drafting, and advising on vendor agreements, NDAs, and other commercial contracts
• Experience managing outside counsel and supporting litigation, arbitration, investigations, or other dispute-related matters
• Strong written and verbal communication skills, with the ability to distill complex legal analysis into clear, practical guidance for cross-functional stakeholders
• Ability to work independently, manage a varied workload, and exercise strong judgment in a fast-moving environment
• A pragmatic, business-oriented approach to legal counseling with a strong sense of ownership and accountability

Nice To Have

• Experience in a startup or high-growth fintech environment
• Experience advising on legal issues related to AI, emerging technology, or automated decisioning
• Familiarity with public policy, legislative analysis, or supporting advocacy and policy strategy in regulated industries
• Prior law firm experience in consumer financial services or a combination of law firm and in-house experience
• Broad-based legal experience across regulatory, product, litigation, and commercial work, rather than a narrow specialization in just one area