Counsel

About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Counsel will be responsible for leading the country's legal affairs, ensuring regulatory compliance and mitigating risks in complex operations. This role requires independently and rigorously reviewing, drafting, and negotiating contracts, as well as leading and supporting internal and external audit processes.

Repsonsibilities:
• Lead country legal affairs, ensuring strict regulatory compliance and risk mitigation across complex business operations.

• Review, draft, and negotiate complex contracts (commercial, technology, vendor, and strategic alliances), ensuring legal precision and alignment with business objectives.

• Advise business, product, and engineering teams, actively participating in meetings to translate commercial needs into clear and viable legal solutions.

• Lead and execute internal and external legal audit processes, identifying risks, proposing mitigation plans, and ensuring regulatory compliance.

• Draft and review legal documentation in English (and Spanish when applicable), including contracts, internal policies, regulatory reports, and formal communications.

• Analyze complex business models, particularly within tech and fintech environments, providing strategic legal guidance for new initiatives and product launches.

• Manage regulatory processes and, when necessary, support the acquisition and maintenance of licenses, interacting with authorities and relevant stakeholders.

• Autonomously manage multiple high-priority projects in a fast-paced environment.

Qualifications:
• Strong experience in corporate, contractual, and regulatory law, with a focus on international companies.

• Proven track record in the tech and/or fintech industries, including an understanding of licensing processes and regulatory compliance.

• Solid knowledge of legal audits, internal controls, and risk management.

• Ability to understand and advise on complex business models, including digital products and cross-border operations.

• Experience interacting with regulatory authorities and external stakeholders.

• Analytical thinking and sound legal judgment for complex decision-making.

• High level of autonomy, proactivity, and prioritization skills in dynamic environments.

• Excellent verbal and written communication, with fluent/bilingual proficiency in English.

• Ability to influence and collaborate with multidisciplinary teams (business, product, engineering).

• Capability to manage multiple projects simultaneously under high-demand standards.

• Prior experience in top-tier law firms or multinational corporations.

• Knowledge of CLM tools (e.g., Ironclad), RegTech, or legal automation solutions.

• Experience in licensing processes for fintechs or other highly regulated industries.

• Familiarity with the use of artificial intelligence applied to the legal field.

Benefits:
• 100% Company-funded health insurance for employee and immediate family

• Company-funded employee life and disability insurance

• Paid vacation days, unlimited sick leave

• $2,000 USD annual Co-working Travel perk

• $2,000 USD annual Professional Development perk

• Phone finance, headphone benefit, home office equipment allowance and wellness perks

• Catered lunches

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening