About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

We are seeking an experienced Senior Legal Counsel to lead and manage all commercial contracting initiatives in Mexico and to develop effective commercial contracts. This role is essential in establishing and maintaining efficient, compliant, and scalable contracting activities that support business growth while managing customer, partner, distributor and vendors risks. You will be the primary legal advisor on all contractual matters, partnering closely with commercial, operations, and product teams to ensure risk mitigation and legal soundness in business transactions. This high-impact role is critical to driving business objectives through legally sound contracting practices.

We are seeking an experienced Senior Legal Counsel to lead and manage all commercial contracting initiatives in Mexico and to develop effective commercial contracts. This role is essential in establishing and maintaining efficient, compliant, and scalable contracting activities that support business growth while managing customer, partner, distributor and vendors risks. You will be the primary legal advisor on all contractual matters, partnering closely with commercial, operations, and product teams to ensure risk mitigation and legal soundness in business transactions. This high-impact role is critical to driving business objectives through legally sound contracting practices.

Responsibilities

Contract Strategy & Leadership

Lead the development and execution of the Mexico commercial contracting strategy.
Lead and mentor a small contracts team (including one direct report) to achieve high performance and professional growth. Oversee the day-to-day activities of contract management, coach the team on best practice, and foster a culture of continuous improvement and accountability.
Develop customer contracting terms for multiple distribution strategies.
Develop contracting strategies for partners, distributors and vendors.
Establish standardized contract templates, policies, and best practices.
Serve as the primary legal advisor for commercial contracting matters, providing guidance on complex and high-impact agreements.

Contract Drafting & Negotiation

Draft, review, and negotiate commercial agreements including vendor, partnership, customer-facing, NDAs, and licensing contracts.
Develop negotiation strategies to balance legal risk with business priorities.
Collaborate with internal stakeholders to ensure contracts align with operational and commercial goals.
Partner with the marketing team to provide legal support on advertising campaigns, brand agreements, and intellectual property matters, including trademarks, copyrights, and licensing.

Corporate Matters

Advise on corporate governance matters for Mexican entities, including preparation of board minutes, shareholders’ meeting materials, and corporate resolutions.
Manage corporate secretarial functions and ensure compliance with corporate formalities required under Mexican law.
Support corporate restructuring transactions, including incorporation, amendment of by-laws, and dissolution or liquidation of entities as required.
Coordinate with external notaries and government registries for corporate filings, including the Registro Público de Comercio.

Contract Risk Management & Compliance

Identify, assess, and manage legal risks associated with commercial transactions.
Ensure contract compliance with regional regulations and company policies.
Implement risk mitigation strategies, providing practical advice to internal clients.

Contract Operations & Efficiency

Use Contract Lifecycle Management (CLM) tools to streamline contract workflows.
Establish self-service contracting procedures for routine agreements.
Train business teams on contract management practices to increase efficiency and reduce legal bottlenecks.

Dispute Resolution & Post-Contract Management

Handle contractual disputes and claims in coordination with external counsel when necessary.
Develop strategies for contract enforcement, terminations, or renegotiations as needed.
Monitor contract performance and compliance post-signature to ensure adherence to terms.
Manage commercial litigation matters in coordination with external counsel, including oversight of case strategy, evidence coordination, and supervision of litigation proceedings.

Qualifications

7+ years of legal experience, with at least 3 years of in-house experience
Exposure to regulatory compliance in financial services/fintech (for example, understanding of financial regulations or data privacy considerations in contracts).
SaaS vendor experience required.
Strong background in commercial contracts, corporate governance, and labor/employment law
Experience supporting cross-functional teams and working closely with non-legal stakeholders
Practical understanding of Mexican corporate law, IP, Financial Institution contracting frameworks, and local labor law for specialized services contracting.
Working knowledge of intellectual property (IP) law, including trademarks, copyrights, and brand licensing, with experience advising marketing and product teams on IP strategy and risk.
Familiarity with contract lifecycle management (CLM) tools and other legal tech for managing contract workflows.
Proven ability to work in a matrix reporting structure, coordinating between local and global teams.
Self-starter with excellent judgment, a builder’s mindset, and strong execution skills
Fluent in Spanish and English
Experience in multinational or high-growth technology companies; dynamic and adaptable professional comfortable managing multiple legal areas simultaneously across a fast-paced environment.

Benefits

Major medical insurance, health discount plan, dental, and vision care for the employee and immediate family members.

Life insurance.

Financing for a phone, headphones, home office equipment, and wellness benefits.

30 days of end-of-year bonus.

20 vacation days.

50% vacation premium.

13% savings fund.

$2,000 MXN in monthly grocery vouchers (vales de despensa).

$2,000 USD annual benefit for co-working travel.

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

Sr. Mgr. Commercial and Corporate Counsel