At Nova Credit, our mission is to power a more fair and inclusive financial system for the world. Our diverse global team is stitching together the world's credit data into a single network to unlock financial opportunities for new-to-country, new-to-credit, and other populations that have been historically marginalized in the credit system. We've developed the world's foremost expertise in credit data connectivity, standardization, analytics, and compliance required to unlock the power of open finance to benefit a broader base of consumers and lenders. We serve some of the world's preeminent firms, including AmEx, HSBC, Scotiabank, SoFi, and Verizon, and our mission is backed by leading investors, such as Canapi, General Catalyst, Index Ventures, Kleiner Perkins, and Y Combinator.

Nova Credit’s Legal & Compliance team is focused on helping the company grow while guiding it through its legal, contractual, and regulatory obligations. Operating in a highly regulated industry, the L&C teams are essential to Nova Credit’s business and strategy. In this highly cross-functional role, you would be relied upon for your legal and commercial acumen and have broad exposure to Nova Credit’s business operations and product development process. 

Our business is complex, and as a team member, you would frequently be asked to help bring clarity to complex, multifaceted issues. If you’re an attorney who loves wrestling with complex problems, coming up with simple and practical solutions, and striving for ways to move the business forward, we’d love to hear from you!

This is a remote, full-time position reporting to the General Counsel.

WITHIN THE FIRST MONTH YOU'LL:

• Get to know Nova Credit’s organizational structure, key agreements, and legal processes
• Dive into our privacy program 
• Understand our current product offerings and market positioning as well as how those products developed, the legal involvement at various stages, and processes that may be led versus supported by legal team members
• Familiarize yourself with key regulatory frameworks
• Get to know the company's working style, goals, mission, and values
• Become acquainted with your fellow Novansand key cross-functional stakeholders

• Dive deeper into current products, key regulatory and privacy risks features and risks, challenges, and areas for future development
• Work hand in hand with the product, data, and engineering teams on new feature and product development and positioning
• Review and develop a deep understanding of company policies and procedures that affect customers
• Get to know the credit reporting and analysis industry - including bureaus, financial institutions, credit providers, and other fintechs
• Analyze current contracts and advise business on product requirements and limitations
• Get to know our corporate organizational structure and work with key stakeholders on ongoing company organizational management projects
• Understand key vendor and supplier relationships and contracts and how this affects product structuring and development
• Negotiate and structure contracts with key suppliers

• Become a key advisor on legal, regulatory, and privacy risks and issues associated with products and features
• Guide our product, engineering, and data teams on navigating credit reporting and other related regulatory frameworks and becoming a thought partner for new ideas related to our product strategies
• Help guide legal aspects of international expansion strategies and required licensing
• Advise on implications of data protection and transfer laws
• Coordinate and collaborate with cross-functional teams to ensure consistent implementation of legal guidance and alignment on risk
• Analyze our legal processes, identify issues, and help the organization become more efficient
• Keep up on the industry and revise and update policies, forms, and agreements where necessary
• Work on cross-functional company initiatives and other special projects
• Help our Go-to-Market and marketing teams with respect to product positioning and completing regulatory or compliance reviews by customers
• Help us develop our legal organization as we expand into new regions

• Juris Doctor (J.D.) degree from an accredited law school and must be licensed to practice law
• Experience working with product, data, and engineering teams guiding product development and assessing risk for consumer-facing financial data products
• Understanding and familiarity with applicable regulatory and compliance frameworks, including Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley, and other federal and state financial regulations and requirements; experience implementing internal programs and policies based on these regulations
• Working knowledge of US privacy laws and requirements and hands-on experience implementing privacy programs at growing companies
• Exposure to foreign privacy regimes and the ability to get up to speed quickly
• Experience with international product expansion and adaptation

Everyone is welcome at Nova Credit. We are an equal-opportunity employer, and diversity and inclusion are central pillars of our company strategy. We look for applicants who understand, embrace, and thrive in a multicultural and increasingly globalized world. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.