[Hiring] Senior Commercial Counsel @Zip Co Limited

Role Description

As Senior Commercial Counsel on Zip’s US Legal Team, you will serve as a trusted legal partner to Sales and cross-functional stakeholders, leading high-impact commercial negotiations and enabling revenue growth. You’ll bring strong transactional judgment, deep experience in commercial contracting, and a pragmatic approach to balancing risk and business outcomes.

This role is highly embedded in both the go-to-market and product development lifecycle—supporting deal strategy, navigating complex negotiations, and helping the business close efficiently in a regulated environment. In addition to commercial work, you will partner closely with Product, Risk, and Compliance teams to advise on regulatory requirements, product design, and go-to-market strategies for new and evolving financial products.

You will also contribute to improving how contracting is executed at scale through practical use of tools, templates, and AI-enabled workflows that enhance speed and consistency.

You’ll join a collaborative, high-impact legal team that operates as a strategic partner to the business—working closely with Sales, Product, Risk, Compliance, and external partners to support Zip’s continued growth in the US market.

Interesting problems you’ll get to solve

• Draft, review, and negotiate complex commercial agreements, including merchant, partner, marketing, and vendor agreements within the payments and financial services ecosystem.
• Act as a strategic legal partner to Sales—advising on deal structure, negotiation strategy, and risk trade-offs to enable efficient deal closure.
• Lead negotiations with sophisticated counterparties, balancing commercial objectives with regulatory, compliance, and risk considerations.
• Advise Product, Engineering, and business stakeholders on legal and regulatory requirements impacting product design, features, and customer experience in the US market.
• Provide guidance on consumer financial services, payments, and related regulatory frameworks to support compliant product development and launches.
• Partner with Risk and Compliance to assess and mitigate regulatory risk in new products, features, and go-to-market strategies.
• Translate complex regulatory requirements into practical, actionable guidance for Product and business teams.
• Partner cross-functionally with Product, Risk, Compliance, Credit, and Engineering to support new product launches and evolving business models.
• Liaise with external stakeholders, including banking partners and external counsel, to align on legal interpretations and requirements.
• Identify recurring negotiation patterns and develop scalable solutions (playbooks, fallback positions, templates) to improve deal velocity.
• Leverage AI-enabled tools and contract lifecycle workflows (e.g., contract review, clause analysis, workflow automation) to improve efficiency, consistency, and turnaround time.
• Support training and enablement for Sales and business teams to improve self-service capabilities and reduce friction in the contracting process.

Qualifications

• 8+ years of legal experience (law firm and/or in-house), with significant focus on commercial contracting and transaction support; 10+ years preferred.
• JD (or equivalent) and active bar membership in at least one US jurisdiction.
• Proven experience partnering closely with Sales or commercial teams and leading complex negotiations from term sheet through execution.
• Strong commercial judgment with the ability to balance legal risk, customer experience, and revenue impact in fast-paced environments.
• Experience in fintech, payments, consumer finance, or other regulated industries, including advising on product development and regulatory considerations impacting financial products.
• Experience partnering with Product and Engineering teams to guide compliant product design and launches.
• Demonstrated ability to influence stakeholders and drive alignment across business, legal, and compliance functions.
• Experience developing or applying contract playbooks, templates, and scalable negotiation frameworks.
• Practical experience with AI-enabled legal tools or contract lifecycle management systems, with the ability to apply technology to improve contracting workflows and efficiency.
• Ability to operate independently, prioritize effectively, and manage a high volume of concurrent deals.
• Our values in your DNA: Customer First, Own it, Stronger Together, and Change the Game.

Benefits

• Flexible working culture.
• Incentive programs.
• Unlimited PTO.
• Generous paid parental leave.
• Leading family support policies.
• Company-sponsored 401k match.
• Learning and wellness subscription stipend.
• Beautiful Union Square office with a casual dress code.
• Industry-leading, employer-sponsored insurance for you and your dependents, with several 100% Zip-covered choices available.