Senior Legal Counsel

We're looking for a Senior Legal Counsel to own regulatory compliance and legal advisory work across our Estonian operations. This is a senior, high-ownership role at the heart of our business. You'll be our primary point of contact with Estonia's key financial regulators, lead the implementation of major regulatory changes, and act as a trusted legal partner to our product, marketing, and commercial teams. If you're a sharp, hands-on lawyer who knows the Estonian financial services regulatory landscape inside out and enjoys making a real business impact, we'd love to hear from you.

KEY RESPONSIBILITIES:

Regulatory Compliance & Regulator Relations

• Own, design, and continuously develop the company's compliance programme, taking end-to-end responsibility for ensuring the company meets all regulatory obligations applicable to a licensed creditor, including consumer credit regulation, advertising compliance, and AML/CFT requirements

• Manage regulatory correspondence, supervisory inquiries, licence-related filings, and notifications

• Monitor Estonian and EU regulatory developments and translate them into timely, actionable compliance guidance for the business

Regulatory Change Management

• Lead the end-to-end implementation of significant regulatory changes, including the transposition of the Consumer Credit Directive II (CCD II) into our products, processes, and documentation

• Coordinate cross-functionally across product, operations, finance, and marketing to deliver regulatory change programmes on time and to a high standard

• Conduct gap analyses, redesign internal policies and procedures, and ensure business readiness ahead of regulatory deadlines

Product Development & Marketing Advisory

• Act as the embedded legal partner throughout the product development lifecycle, from early concept to launch and iteration

• Assess the legal and regulatory feasibility of new credit products, features, and customer journeys at the outset

• Translate regulatory requirements, including pre-contractual disclosure obligations, SECCI, creditworthiness assessment rules, and APR requirements, into clear, practical product and process specifications

• Review advertising materials, customer communications, and digital product flows for compliance with consumer protection rules, responsible lending obligations, and advertising compliance requirements

Contracts & Negotiations

• Draft, review, and negotiate commercial agreements, technology and vendor contracts, partnership agreements, and outsourcing arrangements

• Build and maintain standard contract templates and playbooks to increase speed and consistency across the business

Legal Innovation

• Explore and champion AI-powered legal tools to increase the efficiency and quality of our legal function

• Help build a forward-looking legal team culture where technology and expertise work together

REQUIREMENTS:

• Master's degree in law (Estonian or equivalent EU qualification) and 5+ years of legal experience with a strong focus on financial services regulatory compliance in Estonia

• Deep, hands-on knowledge of the regulatory framework applicable to licensed non-bank lenders in Estonia, including consumer credit regulation, advertising compliance rules, and AML/CFT obligations

• Demonstrated experience engaging directly with FI, TTJA, and/or the FIU/RAB

• Proven track record of translating regulatory requirements into actionable product and process specifications in a consumer lending or broader financial services context

• Demonstrated ability to track, enforce, and embed applicable regulatory requirements across the business, working collaboratively with internal stakeholders to ensure ongoing compliance is owned at the right level

• Strong project leadership skills, with experience driving complex, cross-functional projects and product launches from a legal and compliance perspective through to completion

• Experience acting as a legal and regulatory partner to product and marketing teams

• Strong commercial contract drafting and negotiation skills

• Experience managing external counsel, including scoping instructions, overseeing delivery, and managing costs

• A collaborative team player who works well across borders and functions, comfortable operating as part of a pan-Baltic team with colleagues in Estonia, Latvia, and Lithuania

• Fluent Estonian (C2) and English (C2), both written and spoken

• Experience leading or playing a senior role in a major regulatory change programme (e.g., EU directive implementation or a significant supervisory framework change) is a plus

• Familiarity with AI-assisted legal tools is a plus

WE OFFER:

🌟 Be Part of Something BIG: Gain hands-on experience in a fast-growing fintech company.

🤝 Work with the Best: Join a tight-knit, highly skilled team where open communication and collaboration drive success.

🏡 Work Your Way: Enjoy a hybrid setup, balancing office time and remote work to suit your lifestyle.

🛡️ We’ve Got You Covered: Benefit from sick leave compensation, additional health days, and a flexible work environment that prioritizes your well-being.

🎉 Stay Active and Connected: Take birthday leave, join fun team events, and enjoy plenty of opportunities to unwind.