• Senior commercial and product counsel supporting Sales, partnerships, and product development in a regulated fintech environment
• Trusted legal partner enabling revenue growth and compliant product innovation through strong negotiation, risk assessment, and commercial judgment
• Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office

Start your adventure with Zip

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

What you’ll bring to the team

• 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

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly.

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

• 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

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $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.

If hired, employees will be in an ‘at-will position’ and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

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.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know if there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms Zip participates in the federal government’s E-Verify program

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