• Own the Dutch legal and regulatory workstreams for the European launch, while supporting Belgian matters with appropriate external local counsel.

• Lead entity formation and corporate governance activities, including articles of association, notarial incorporation, KVK and UBO registration, and director and legal-representation requirements.

• Draft, localize, review, and negotiate financing agreements, merchant terms, partner contracts, SEPA direct-debit mandates, and other commercial documentation under applicable Dutch and Belgian law.

• Select, instruct, and manage external Dutch and Belgian legal counsel, translating legal advice into practical documents, processes, and ongoing compliance activities.

• Advise internal stakeholders on licensing requirements, funding structures, payments regulation, collections enforceability, data protection, and automated decision-making.

• Manage corporate banking onboarding and support the relevant SME-lending quality-mark requirements.

• Serve as the senior legal point of contact for the European business and collaborate closely with product, compliance, finance, and operations teams.

• Support future expansion into additional EU markets as the business develops.

• Where relevant, contribute to operational Wwft/AML responsibilities, including customer due diligence, third-party reliance arrangements, prevention policies, risk matrices, and engagement with supervisory authorities.

Requirements:

• At least approximately 7 years of post-qualification experience, with significant in-house or top-tier law-firm experience in fintech, financial services, lending, or a closely related sector.

• Admission to practice in the Netherlands as an advocaat, with strong knowledge of Dutch legal and regulatory requirements.

• Full professional fluency in English and Dutch, with the ability to work effectively with international leadership, regulators, counterparties, and local stakeholders.

• Ability and willingness to advise on Belgian legal matters while working with external Belgian counsel.

• Strong experience with lending, financial services regulation, and GDPR/data protection.

• Deep understanding of relevant regulatory frameworks and a genuine interest in fintech, financial inclusion, embedded finance, and cross-border expansion.

• Excellent drafting, negotiation, and legal analysis skills, combined with strong commercial judgment.

• Comfortable working autonomously, managing multiple concurrent matters, and coordinating external counsel across two jurisdictions.

• A proactive, pragmatic, and high-ownership approach suited to a fast-paced, growth-oriented environment.

• Dual qualification or substantial Belgian legal experience is a plus.

• Working-level Spanish or Portuguese and/or French would be advantageous.

• Experience with Wwft/AML and payments regulation is also beneficial.

Benefits:

• Fully remote working environment.

• Opportunity to join a high-impact, mission-driven fintech operating at the intersection of technology and financial services.

• Significant ownership and autonomy in a senior legal leadership role.

• Exposure to complex regulatory, corporate, lending, payments, and data-protection matters across multiple European jurisdictions.

• Close collaboration with international teams across Europe and Latin America.

• Opportunity to contribute to the launch of new markets and the continued development of an expanding European business.

• Cross-functional work with experienced teams across legal, compliance, product, finance, and operations.

• Eligible team members may have access to a performance-based Phantom Share Program designed to align participation with long-term value creation.