Oportun. Inc

Director, Regulatory Counsel - Privacy & Marketing

Req No.
Regular Full-Time
Remote / WFH
Job Locations
US-CA-San Carlos

Company Overview


Oportun (Nasdaq: OPRT) is a financial services company and digital platform that provides responsible consumer credit to hardworking people. Using A.I.-driven models that are built on years of proprietary customer insights and billions of unique data points, we have extended millions of loans and billions in affordable credit, providing our customers with alternatives to payday and auto title loans. In recognition of our responsibly designed products which help consumers build their credit history, we have been certified as a Community Development Financial Institution (CDFI) since 2009.



Since extending our first loan in 2006, Oportun has made over 4 million loans, totaling over $10 billion to hardworking low- and moderate-income individuals. In turn, Oportun has helped more than 905,000 people begin establishing the credit history required to enter the financial mainstream. At the same time, Oportun’s customers have saved an estimated $1.9 billion in interest and fees compared to the alternatives typically available to them.




Oportun is looking to expand its world-class and highly experienced Legal and Compliance team responsible for serving as a strategic partner and providing sound legal advice to a mission-driven Company that offers affordable and credit building products. The position will provide legal advisory support for the origination of Oportun’s installment loan, auto, credit card and bank partner products. In this role, the Regulatory Lawyer will advise on all aspects of Privacy, as well as support the marketing and customer lifecycle management teams. The role will report to the Sr. Director, Sr. Regulatory Counsel, and will work closely with Oportun’s Compliance officers, executive business partners and operational teams.  This is an opportunity to work in a fast-paced, mission-driven organization where your contributions can have a meaningful impact on underbanked and unbanked consumers.


  • Act as trusted advisor to the business in providing consumer finance legal advisory support across multiple products and an expanding business model.
  • Provide legal advice and support relating to Privacy and Data Security federal and state legal obligations related to the origination, servicing and collection of unsecured, secured and credit card lending products through different channels including online, telesales and retail locations.
  • Support the further development an enterprise-wide privacy risk management and compliance framework and governance structure consistent with applicable federal and state laws and regulations.
  • Partner and work closely with bank partners and internal Risk Management, Marketing, Information Security, Technology, and Operations regarding the collection, use and sharing of data across for all lending products including unsecured, secured and credit card products.
  • Review and revise key policies and procedures, training, risk assessments and other materials for compliance with privacy, data security, data use and information sharing requirements.
  • Maintain company privacy policy, terms of use and privacy notices, in compliance with federal and state regulatory requirements.
  • Partner with the Marketing team, Chief Marketing Officer and Compliance team to review and revise marketing strategy and materials including digital marketing, prescreen offers, lead generation and referrals.
  • Review, advised and approve consumer-facing materials, advertisements and communications across all marketing channels, including direct mail, email, digital and through lead generators, as well as use of social media/influencers.
  • Partner with Marketing Analytics to review and advise on marketing selection criteria and conduct social media and website reviews.
  • Maintain regulatory legal guidelines and periodic training for the Marketing and Product teams, to outline standard disclosures and UDAAP risks.
  • Partner with Compliance professionals to assist in the design and implementation of Compliance Management Program, including Compliance Risk Assessments and an underlying legal inventory of applicable laws and regulations.
  • Research, track and report on federal and state legal developments related to the scope of the role, staying abreast of current legal developments and trends to determine potential impact or risks. Communicate relevant items to business partners and analyze impact of the changing legal/regulatory landscape on the business strategy.
  • Analyze and draft comments on proposed regulations and contribute to industry comment letters or requests where appropriate.
  • Participate in special projects in support of Oportun’s strategic objectives; provide backup support for and coordinate with other Regulatory Legal team members, as needed.
  • Work with commercial attorneys to review third-party service provider agreements, including agreements with outsourced and/or offshored service providers, to ensure compliance with CFPB standards, internal and bank partner standards and applicable law related to privacy and data security.



  • Juris Doctorate (J.D.) degree, qualified to practice law in a United States jurisdiction.
  • 7+ years’ experience as an attorney in a law firm or corporate law department.
  • 4+ years’ experience in consumer financial services law, as in-house at a financial services company.
  • 4+ years’ experience with federal and state Privacy requirements.
  • In-depth knowledge of state and federal consumer credit laws and regulations, including GLBA/Reg P, TILA/Reg Z, ECOA/Reg B, FCRA/Reg V, ADA, SCRA, TCPA, EFTA and state consumer finance, UDAAP, privacy and lending laws.
  • Ability to manage multiple conflicting priorities set by the business while still meeting internal department goals.
  • Effective written, interpersonal and communication skills with the ability to work as part of a team involving staff, clients, bank partners and outside agencies.
  • Strong analytical skills and ability to exercise sound judgment in providing and legal advice and assisting the business to implement such advice; ability to work independently, with minimal oversight, and partner with other legal team members as part of the Regulatory Legal team.
  • Excellent written and verbal communication/presentation skills, including the ability to persuade and influence management at all levels, including executive management.
  • Strong organizational skills, attention to detail and positive professional attitude.
  • Spanish fluency (written and verbal) a plus.






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