Senior Commercial Counsel
Zip Co Limited, Phila, PA, United States
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.
Responsibilities
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 401(k) 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
Annual Base Pay Range:
$174k – $180k. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.
Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.
We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.
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Responsibilities
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 401(k) 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
Annual Base Pay Range:
$174k – $180k. This range reflects our US national compensation band (USN). Additional premium percentages may apply based on our tiered premium strategy.
Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or commission awards, in addition to a full range of medical, financial, and/or other benefits.
We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.
#J-18808-Ljbffr