Sr Corporate Counsel, Consumer Lending Partnerships & Marketplace

Current Employees of Happen Bank: Please apply via your internal Workday Account

Happen Bank (formerly LendingClub) is built around a simple purpose: to clear the way to help people turn intention into action, and action into financial progress. That means offering focused products, a frictionless mobile-first experience, and clear terms with no gotchas. Respect and fairness is part of our DNA, and that ideal shapes how we work, how we treat each other, and how we invest in our employees and our community. Join us in using data, bold thinking, and a commitment to innovation to help clear the way for millions of Americans to achieve more.

About the Role

Happen Bank is seeking a Sr Corporate Counsel to provide strategic legal guidance and transactional support across our consumer lending partnerships and investor marketplace businesses. In this role, you'll draft and negotiate complex commercial agreements, advise on lending programs across home improvement, home equity, and auto lending, and support institutional loan sales and securitization transactions.

You'll partner closely with business leaders, Legal, Compliance, Finance, and other cross-functional teams to navigate complex transactions, manage legal risks, and enable responsible business growth in a fast-paced, regulated environment.

What You'll Do

Draft and negotiate complex commercial agreements with strategic partners, including lending platforms, networks, and referral partners, supporting Happen Bank's home improvement, home equity, and auto lending programs

Develop and maintain standardized agreements, negotiation playbooks, and fallback positions that enable efficient, consistent onboarding of strategic partners

Provide day-to-day legal guidance on lending program structures, new launches, product changes, partner performance, and disputes, helping business teams navigate legal risks and achieve business objectives

Serve as a trusted legal advisor to Happen Bank's investor marketplace business, supporting investor onboarding, marketplace operations, and ongoing legal matters

Draft and negotiate loan sale and servicing agreements and related documentation for sales of the Bank's consumer loans to institutional investors

Partner with Capital Markets, Finance, Credit, and outside counsel to support securitization transactions

Manage legal aspects of transactions throughout their lifecycle, including closing deliverables, amendments, investor inquiries, diligence requests, and repurchase or breach claims

Develop and maintain a practical understanding of applicable legal and regulatory requirements for consumer lending, loan sales, and securitizations, including consumer protection, fair lending, privacy, and banking regulations, escalating matters to Regulatory Counsel and Compliance as appropriate

Contribute to Legal Department and cross-functional initiatives, projects, and other business priorities as needed

About You

6+ years of experience in corporate transactions, commercial contracting, securities, or a related legal practice, gained through law firm and/or in-house experience

Juris Doctor (J.D.) degree and active membership in good standing with a state bar

Strong legal drafting, negotiation, analytical, and problem-solving skills, with the ability to navigate complex commercial transactions and deliver practical, business-oriented legal advice

Experience managing multiple transactions and competing priorities independently, with strong organization, attention to detail, and proactive deadline management

Strong communication and relationship-building skills, including the ability to listen effectively, adapt your communication style, and influence stakeholders across different functions and levels

Strong business judgment with the ability to understand how legal considerations intersect with commercial, operational, financial, and regulatory objectives

You thrive in a fast-paced, evolving environment, approach challenges with curiosity and flexibility, and proactively identify solutions while taking ownership of outcomes

Genuine interest in consumer lending, fintech, and emerging business models, with a willingness to learn new areas and contribute beyond your immediate responsibilities

Strong proficiency with office productivity applications and other tools that support legal drafting, document management, and transactional workflows

You have hands-on experience using AI tools to improve legal research, drafting, document review, diligence, and contract management, and you're comfortable sharing effective approaches with colleagues while applying sound judgment around accuracy, confidentiality, privilege, and appropriate human oversight

Nice to Have

Experience in a bank, lending company, or fintech

Experience with consumer loan sales, securitizations, structured finance, or marketplace lending

Familiarity with the regulatory framework for consumer lending, including TILA, FCRA, UDAAP, privacy, and applicable federal and state lending laws

Work Location

San Francisco or Lehi

The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.

Time Zone Requirements

Local hours (PT, MT)

While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.

Travel Requirements

As needed travel to Happen Bank offices and/or other locations, as needed.

Compensation

The target base salary range for this position is 150,000-210,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).

We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.

#LI-Hybrid

#LI-BC1

Happen Bank is an equal opportunity employer and dedicated to diversity, equity, and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), gender, gender identity, gender expression, sexual orientation, age, marital status, veteran status, disability status, political views or activity, or other applicable legally protected characteristics. We believe that a variety of perspectives will make our teams and business stronger as we work together to transform the traditional banking system.

We are committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. If you need assistance or an accommodation due to a disability, please contact us at interviewaccommodations@happen.com.

Notice on AI Tool Use

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist our hiring managers with the application process.

You will have the opportunity to opt out of recording, transcription, and summarization prior to any scheduled interviews. We will