Senior Legal Counsel

• Shape the products millions of customers use, providing pragmatic legal advice that helps Zip turn ambitious ideas into commercially sound outcomes.
• Bring strong commercial contracting capability and expertise across consumer credit and financial services regulation.
• Senior individual contributor role with the flexibility to work from our Sydney or Melbourne office.

Write your story with a career at Zip

Join Zip’s AU Legal team and play an important role in helping our business develop products, partnerships and commercial solutions that deliver for our customers while navigating an evolving regulatory environment.

As Senior Legal Counsel, you’ll partner closely with Product, Commercial, Compliance, Engineering and other teams across Zip, providing pragmatic and solutions focused advice across existing products, new product development, commercial transactions, regulatory matters and strategic initiatives.

Supported by our General Counsel and other senior members of the Legal team, you’ll combine your legal expertise with commercial judgement to identify and manage risk, influence decisions and help teams move from idea to launch with confidence.

What you’ll own

• Partner with teams throughout the product development lifecycle, advising on product design, new features and launches and helping teams understand and address applicable legal and regulatory requirements.
• Provide practical advice across relevant Australian laws and regulations, including consumer credit, privacy and other regulatory frameworks relevant to Zip’s products and operations.
• Build trusted relationships with Product and Commercial teams, developing a strong understanding of their objectives and helping structure commercially sound solutions that can be effectively implemented.
• Draft, review and negotiate a broad range of commercial arrangements, including strategic partnerships, merchant arrangements, marketing agreements, promotional terms and service provider agreements.
• Help translate legal and regulatory requirements into practical considerations for product design and commercial arrangements, supporting ongoing compliance once solutions are operationalised.
• Develop a deep understanding of Zip’s products, customers, commercial priorities and regulatory environment to provide advice that considers the bigger picture.
• Identify legal and regulatory risks early, communicate them clearly and constructively challenge where needed while helping stakeholders find practical paths forward.
• Partner with external law firms where specialist advice is required, ensuring external support is focused, effective and commercially valuable.
• Contribute your expertise to strategic initiatives across Zip, collaborating with colleagues across Legal, Compliance and the wider business to solve complex and interesting challenges.

What you’ll bring to the team

Zipsters work on a broad range of initiatives, and our skills and experiences all look a little different. What really matters to us is that you’re a great fit with our four Values, and have a desire to learn and grow.

So whether you meet some or all of the desirable attributes below, we’d still love to hear from you:

• 7 to 10 years + of relevant legal experience gained within a leading law firm, an in house legal team, or a combination of both.
• Strong experience advising on Australian consumer credit and financial services regulation, including credit licensing requirements and associated regulatory and reporting obligations.
• Experience applying regulatory requirements to product development, launches and ongoing compliance.
• Strong commercial legal capability, with experience drafting, reviewing and negotiating complex commercial and transactional agreements.
• Experience within fintech, consumer finance or broader financial services.
• Commercial judgement and a solutions focused approach, with the ability to balance legal and regulatory considerations with practical business outcomes.
• Confidence working with senior and cross functional stakeholders, building trusted relationships and communicating complex legal concepts clearly.
• The judgement and confidence to raise risks and constructively challenge decisions while building alignment around a practical way forward.
• Strong organisation and prioritisation skills, with the ability to manage competing priorities and deliver quality advice in a fast paced environment.
• A proactive approach and willingness to take ownership, bringing solutions to the table rather than simply identifying problems.
• A mindset that embraces AI and new tools to adapt, learn and grow.
• An aptitude for identifying and managing risks. Whether you are a People Manager or an Individual Contributor, we are all leaders at Zip, therefore effective risk management is important to how we run our business and part of all our roles.
• Our values in your DNA. Customer First, Own It, Stronger Together and Change the Game.

What you’ll get in return

As we write this next exciting chapter in our story, we will continue to move at pace and embrace change. For you, this might mean opportunities to learn new skills with hands on experience, broader responsibilities, or the buzz of seeing your work impact customers faster.

Zip is a place where you’ll get out exactly what you put in. When you join the team, we'll do our best to make sure you can be yourself and surround yourself with smart, friendly colleagues and leaders who have your back, so that you can make the big things happen.

Zipsters tell us these are just some of the best things about working here. You’ll also receive:

• 25 days paid leave annually, including birthday leave and quarterly wellbeing days
• 16 weeks paid parental leave for primary carers, and 4 weeks for supporting carers
• Family support policies including miscarriage bereavement leave and domestic violence leave
• Mental health and wellness initiatives, including $299 annual wellbeing allowance, free access for you and family members to our Wellbeing platform Sonder, discounted private health insurance, and great rates on fitness sessions through ClassPass
• 2 days paid volunteering leave, 2 days study leave and 2 days religious or cultural leave per year
• Fee free Zip products, and discounts with Zip merchant partners
• Team social events, epic offices, free breakfast daily, and weekly free lunches in Sydney and Melbourne
• Access the Flare Benefits Hub and Novated Leasing: save on groceries, fuel, tech, fashion, dining and more, with exclusive health perks, wellbeing guidance and potential tax savings on car ownership.

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 centred products.

Operating in two core markets, Australia and New Zealand and the US, Zip offers access to point of sale credit and digital payment services, connecting millions of customers with its 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.