Product Counsel

Kikoff
San Francisco
Workplace: OnsiteFull timeUSD 200,000 - 250,000Function: Legal, Risk & ComplianceExperience: 5-8 yearsEducation: bachelorsSkills: ["Communication","Judgment","Intellectual honesty","Decision support","Enabling mindset"]

Serve as a day-to-day legal partner to product, engineering, and business teams across Kikoff’s consumer fintech ecosystem, from concept through launch. Advise on structuring and regulatory implications of credit-building, earned wage access, and new product ideas, including TILA, ECOA, FCRA, EFTA, and UDAAP. Research and translate federal/state developments into actionable guidance, support licensing and compliance filings, and draft/negotiation of consumer terms, disclosures, and agreements.

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Kikoff
Kikoff
2 days ago

Product Counsel

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Last checked: 11 hours agoStatus: Live

Job Summary

Serve as a day-to-day legal partner to product, engineering, and business teams across Kikoff’s consumer fintech ecosystem, from concept through launch. Advise on structuring and regulatory implications of credit-building, earned wage access, and new product ideas, including TILA, ECOA, FCRA, EFTA, and UDAAP. Research and translate federal/state developments into actionable guidance, support licensing and compliance filings, and draft/negotiation of consumer terms, disclosures, and agreements.
Location: San Francisco
Workplace: Onsite
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Mid level

Key Responsibilities

  • •Act as a day-to-day legal advisor to product and engineering teams across the product development lifecycle, escalating novel or bet-the-company questions as appropriate.
  • •Advise on the design and regulatory implications of consumer financial products, including credit-building tradelines, earned wage access, and new product concepts.
  • •Research and apply federal and state consumer financial regulations, including TILA, ECOA, FCRA, EFTA, UDAAP, and the evolving EWA regulatory landscape.
  • •Provide guidance on marketing and communications compliance under TCPA, CAN-SPAM, and other state and federal law, including data privacy and consumer data protection requirements.
  • •Support state licensing applications, renewals, and compliance filings; draft, review, and negotiate consumer-facing terms/disclosures and commercial agreements.

Pay and Benefits

Salary: USD 200,000 - 250,000

Key Requirements

  • •J.D. from an accredited law school.
  • •Active member of the California state bar or registered in-house counsel in California.
  • •5-8 years of legal experience, including meaningful time in consumer financial services, fintech, or an adjacent regulatory practice.
  • •Working knowledge of federal consumer finance statutes (TILA, ECOA, FCRA, EFTA) and willingness to build depth in state lending and money transmission frameworks.
  • •Exposure to credit-building or credit reporting products, earned wage access, consumer lending through bank partnership models, or payments.
Experience:5-8 yearsFintechConsumer financial servicesConsumer lendingEarned wage accessCredit reporting
Education:Bachelor's
Skills:CommunicationJudgmentIntellectual honestyDecision supportEnabling mindset
Licenses:California state bar
Languages:English
Tech Stack:AI

Company Brief

Kikoff
Kikoff provides a credit-building product that helps consumers build credit history and access affordable lines of credit through a mobile-first platform and educational tools to improve financial health.
Industry: Lending
Growth: Early Stage Startup
Headquarters: San Francisco, United States
Founded: 2019
Website