• Drive Product Strategy & Innovation: Be the strategic legal voice enabling product innovation across our credit and lending portfolio. Partner closely with business teams and fintech partners from ideation through launch, anticipating challenges and architecting creative solutions that balance business needs with regulatory requirements. Advise on credit product structuring, and the legal implications of new lending features and partnership models. • Own Regulatory Architecture: Build and evolve regulatory frameworks for existing and new products. Leverage your deep expertise in TILA, ECOA, UDAAP, FCRA, state usury and licensing laws, the evolving EWA space, federal preemption, and true lender risk. Partner with compliance and risk teams to develop scalable approaches that protect the business while enabling growth. • Lead Subject Matter Expertise: Be the go-to authority on legal and regulatory requirements impacting the credit and lending business lines. Share insights on regulatory developments and their practical implications. Help establish Column as a thought leader in banking infrastructure. • Structure Bank-Fintech Lending Partnerships: Lead the legal structuring of loan agreements, line of credit products, EWA lending and non-lending offerings, and BNPL partnerships. Draft and review key customer-facing terms and marketing materials, structure onboarding flows and applications, determine BSA/AML requirements, conduct true lender analyses, and own every legal detail of rolling out a new Column-backed product. Work closely with engineering to design a flow-of-funds model and reflect that product structure in legal documentation. • Leverage Technology & AI: Embrace and drive the adoption of technology — including AI and automation tools — to increase the efficiency, speed, and scalability of legal workflows. Identify opportunities to use AI and partner with engineering teams to build legal tooling that gives Column a structural advantage. • Scale Operations: Design and implement legal processes that can scale with hypergrowth. Improve partner onboarding efficiency while maintaining robust compliance. Build repeatable frameworks that enable the business to move faster. Develop template loan program agreements, disclosure packages, and servicing frameworks that accelerate new partnership launches.