EarnInEA

Commercial Counsel

EarnIn is a financial technology company that provides earned wage access services, allowing users to access their pay as they earn it, aiming to improve financial flexibility and reduce reliance on predatory lending.

EarnIn

Employee count: 201-500

Salary: 147k-180k USD

United States only

About EarnIn

As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.

We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.

Position Summary

We are looking for a highly motivated, entrepreneurial, corporate counsel to serve as Commercial Counsel. You will assist with several vital legal initiatives, among them contract review and negotiation, counseling our finance and operations team, and human resources and employment matters. The ideal candidate will have experience in the fintech space and with MA transactions. This is an exciting opportunity to work on challenging technology and business issues, supporting senior counsel. As we expand our offerings, your ideas and contributions will make an immediate impact.

This is a remote position. The US base salary range for this full-time position is $147,000 - $180,000 + equity + benefits. Our salary ranges are determined by role, level, and location.

What You’ll Do:
  • Draft, review, and negotiate various types of commercial agreements, including master services, licensing, professional services, marketing, consulting, strategic partner, and nondisclosure agreements -- Vendor and commercial agreements will be the primary focus of this role
  • Coordinate with compliance, operations, sales, new markets and other teams at EarnIn to ensure that the vendor and commercial deals we enter into will support EarnIn’s current and future product development
  • Interpret and advise on contract requirements, rights, and obligations, and provide assessments regarding risk exposure
  • Provide guidance to resolve issues that arise in commercial relationships, including but not limited to, handling pre-litigation disputes and inquiries
  • Assist in the development and implementation of contract templates, playbooks, and negotiation guidelines to improve operational efficiency.
  • Assist with due diligence efforts with respect to MA transactions and other strategic transactions, as well as post-acquisition integration legal matters
  • Support employment and HR matters including employment agreements, terminations, workplace policies, and internal investigations. (if interested)
  • Other duties as assigned

What We’re Looking For:

  • 4-7 years experience practicing law required, with a minimum of 2 years in-house experience
  • Juris Doctor degree required
  • Strong customer service and team orientation required, with desire and ability to take on new opportunities and tough challenges with a sense of ownership and urgency
  • Outstanding written, oral, research and negotiation skills required; attention to detail is a must
  • Strong deal-making and legal project management experience preferred
  • In-house experience with a technology or financial services company preferred
  • Excellent computer skills required, including advanced skill level with G-Suite products, Jira and Slack
  • The successful candidate will demonstrate
    • fluency with, or eagerness to learn about, technology to the extent necessary to counsel the business
    • flexible, proactive self-starter, hard-working, quick-learning and comfortable with informed decision-making
    • business judgment and ability to assess legal risk while providing pragmatic advice
    • strong analytical and advisory skills, including the ability to review, evaluate and effectively counsel business colleagues in a variety of departments on complex and routine legal questions relating to various business issues with unfailing discretion and impeccable integrity
    • ability to multi-task to consistently deliver outstanding, thoughtful and focused results in a fast-paced and high-growth environment
    • a good sense of humor
  • Interest in Employment law is a plus

At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.

EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.

About the job

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Job type

Full Time

Experience level

Senior

Salary

Salary: 147k-180k USD

Location requirements

Hiring timezones

United States +/- 0 hours

About EarnIn

Learn more about EarnIn and their company culture.

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EarnIn, formerly known as Activehours, is a financial technology company founded in 2013 by Ram Palaniappan. The company's mission is to build a more equitable financial system by providing individuals with access to their earned wages before their scheduled payday. This concept, often referred to as Earned Wage Access (EWA), aims to help people manage their finances, avoid overdraft fees, and reduce reliance on high-cost predatory lending products. EarnIn's core product, 'Cash Out', allows users to withdraw a portion of their earned income as they earn it. The service is community-supported, with users having the option to leave a voluntary 'tip' for the service, rather than facing mandatory fees or interest charges.

Headquartered in Palo Alto, California, EarnIn has grown significantly since its inception, facilitating billions of dollars in earned wage access for its members. The company emphasizes its commitment to financial wellness by offering additional tools such as 'Balance Shield', which provides low-balance alerts, and 'Tip Yourself', a feature designed to encourage savings. EarnIn's services are available directly to consumers through its mobile application and also as an employee benefit offered through partnerships with employers across various industries. The company has highlighted its role in helping users save on overdraft fees and manage unexpected expenses. While the 'tipping' model has faced some scrutiny and comparisons to payday lending, EarnIn maintains that its approach is designed to offer a more flexible and affordable financial solution. The company has also expanded its offerings to include services like negotiating medical bills for its users. EarnIn has garnered numerous users and positive app reviews, positioning itself as a key player in the evolving landscape of financial technology and employee financial wellness.

Employee benefits

Learn about the employee benefits and perks provided at EarnIn.

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Parental leave

Provides paid time off for new parents.

Regular offsites for company and teams

Company and team-specific offsite events.

Monthly wellness stipend

A monthly allowance for wellness-related expenses.

Health/vision/dental benefits

Offers health, vision, and dental insurance coverage.

View EarnIn's employee benefits
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