• Foster a collaborative, high-performance team culture grounded in accountability, continuous improvement, and a bias for action. • Lead negotiation, drafting, and execution of a wide range of vendor agreements, including technology services, cloud services, SaaS, data platform, contractor, marketing/creative, lease, and payment processing engagements. Manage a high volume of deals with speed and sound judgment. • Design, implement, and continuously improve playbooks, contract templates, negotiation guides, and other projects that enable the team to operate efficiently at scale. Identify friction points and build solutions that reduce cycle time without sacrificing quality. • Work closely with procurement, financial partnerships, engineering, product, finance, information security, privacy, and other teams to provide clear, practical guidance. • Serve as a proactive, strategic business partner to senior managers across the organization. • Develop and deliver training and resources that empower business partners to self-serve on routine vendor legal matters, increasing team capacity and reducing bottlenecks.

• Owning day-to-day legal advice on collections, recoveries, and servicing. • Negotiating and closing contracts with debt sale counterparties, vendors, and technology providers. • Tracking legal and regulatory developments as they land, including the fast-moving rules around AI in back-office and customer-facing tools, and helping the business turn them into compliant products, services, and controls. • Partnering 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. • Spotting where the business is headed before it gets there, flagging issues and opportunities early.

• Provide legal advice and guidance to senior leadership and business units on legal, regulatory, compliance, governance, transactional, intellectual property and operational matters • Research and evaluate legal and regulatory risks related to business decisions and operations • Provide legal counsel regarding loan origination activities and applicable regulatory requirements • Handle inquiries, examinations, and communications with regulatory agencies and authorities • Monitor legal and regulatory developments and advise on potential business impacts • Maintain and support corporate governance best practices, policies, and protocols • Oversee the administration and maintenance of the company’s regulatory compliance program • Develop, implement, update, and monitor company policies, procedures, and compliance frameworks • Partner with business leaders to ensure operational practices align with legal and regulatory requirements • Negotiate, draft, review, and interpret contracts, agreements, and other legal documents • Provide legal support for corporate transactions, strategic initiatives, and business growth opportunities • Structure, negotiate, and document debt and equity financing transactions • Collaborate with internal stakeholders and external partners to facilitate successful business transactions • Manage corporate litigation matters and oversee outside counsel • Support default management, loss mitigation, and related litigation activities • Identify legal and regulatory risks and recommend practical mitigation strategies • Provide guidance on dispute resolution, settlements, and enforcement matters as needed • Ensure documentation and business practices support defensibility and risk reduction

• Build trusted relationships with Sales, Deal Desk, Revenue Operations and other business stakeholders to support customer and channel transactions. • Lead the review, drafting and negotiation of a wide range of commercial agreements, including SaaS, BaaS, software, professional services, channel (including aggregator, reseller and GSI relationships) and NDAs. • Provide practical, commercially focused legal advice to Sales and business stakeholders, supporting negotiations through clear, pragmatic guidance while identifying, communicating and managing material legal, regulatory, privacy and commercial risks, and advising on compliance requirements, data protection obligations and internal approval processes. • Develop practical and defensible solutions to complex contractual and commercial issues, applying sound judgement to balance risk, identify appropriate mitigations and determine when escalation is required. • Anticipate potential contractual, legal or operational issues and take proactive steps to address them efficiently and reduce the risk of disputes or delays. • Support the development and continuous improvement of contract templates, negotiation playbooks and legal processes, and develop and deliver training and awareness programs to promote best practices and understanding of legal risks, contracting principles and company processes. • Collaborate effectively with colleagues across the Legal department and contribute to a positive, high-performing team culture.