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Coins.ph, the most established crypto brand in the Philippines with over 18 million users, is seeking a Legal Counsel specializing in financing, lending, and securitization. The company is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and holds both Virtual Currency and Electronic Money Issuer licenses—the first crypto-based company in Asia to achieve this dual regulatory status.
In this role, you will provide strategic legal counsel to the business on the group's financing, lending, and securitization activities, including the online lending platform (OLP) business. You will draft, review, and negotiate financing and credit documentation such as facility and loan agreements, promissory notes, security and collateral documents, guarantees, intercreditor and subordination agreements, and receivables purchase and assignment agreements.
You will advise on and document securitization and structured finance transactions, including asset transfers, true sale and bankruptcy remoteness analysis, servicing arrangements, and investor documentation. Your regulatory expertise will be critical: you'll advise on the regulatory perimeter for lending and financing, including SEC lending and financing company registration, OLP registration, the Truth in Lending Act, the Financial Products and Services Consumer Protection Act, interest rate and fee ceilings, permissible collection practices, credit information reporting, and data privacy in credit scoring and underwriting.
You will support product, credit, and risk teams on OLP design, covering customer journeys, disclosures, terms and conditions, consent flows, marketing claims, and arrangements with funding partners, collection agencies, credit bureaus, and scoring vendors. You will handle regulatory engagements, examinations, and inquiries relating to the lending and financing business, and prepare responses to regulator correspondence. You will provide innovative legal solutions for complex projects involving new technologies, analyze new regulatory guidance in the fintech industry, and serve as part of a multi-jurisdiction international legal team. You will attend case conferences and hearings with courts and government agencies.
This is a cross-functional role where you'll collaborate with product, credit, risk, and other business teams to implement improvements that enhance customer experience. You'll be part of a fast-growing organization with expansion plans beyond APAC, offering career advancement opportunities.
REQUIREMENTS:
- Minimum 4 to 7 years of post-qualification experience with substantive exposure to banking and finance, lending, consumer credit, or structured finance and securitization practice in the Philippines
- Working knowledge of the SEC lending and financing company and OLP frameworks, BSP regulations, and consumer protection and data privacy requirements applicable to credit
- Demonstrated ability to draft and negotiate finance documentation independently
- Excellent judgment, analytical rigor, clear communication, and business pragmatism
- Strong team player, agile, and able to adapt to a fast-paced, high-intensity environment
- Motivated self-starter with passion for payments and cryptocurrency; requires minimal supervision
- Fluency in English with outstanding writing and communication skills
