Senior Legal Counsel, Commercial & Corporate

About KOHO

We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.

At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.

KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

About The Role

As Senior Legal Counsel, Commercial & Corporate, you will provide legal support for across both KOHO Tech and KOHO Bank (letters patent pending).

You will work closely with all areas of the business and in particular, Procurement, Partnerships, and People & Culture teams to provide practical legal advice..

This role is ideal for a lawyer who enjoys rolling up the sleeves and building new things, solving complex regulatory questions, and taking ownership of outcomes in a fast-moving, flat organization.

What You’ll Do

• Draft, review, and negotiate commercial agreements, including complex arrangements with banking, processing and technology partners / vendors

• Support our product and partnerships teams on structuring and documenting strategic partnerships

• Use AI to build legal workflows including contract templates and contract lifecycle management

• Provide support to Enterprise and Third-Party Risk Management initiatives

• Support employment law matters

• Support general corporate matters including equity fundraises and corporate debt transactions

What You’ll Bring

• 6-8+ years post-call experience as a lawyer practicing in Canada (in-house and/or at a law firm)

• Contract negotiation and drafting skills

• Experience in tech procurement

Ways of Working

• High-agency and entrepreneurial: You take ownership, figure things out, and move problems forward without waiting for perfect instructions or established processes.

• Commercial and pragmatic: You understand that Legal’s job is to help the business achieve its goals while making smart, risk-calibrated decisions (not simply identify what could go wrong).

• Curious and solutions-oriented: You enjoy getting into the weeds of how products and technology actually work, asking the right questions, and finding creative paths through ambiguity.

• A builder: You don’t just solve the problem in front of you. You also look for ways to turn recurring problems into better processes, playbooks, tools, and systems.

• Low-ego, high self-awareness: You’re confident in your judgment but genuinely open to being challenged, changing your mind, and learning from others.

• Comfortable with ambiguity and speed: You can make progress with incomplete information, prioritize effectively, and operate calmly when the roadmap changes.

• Technically curious: You’re excited by technology and AI and look for ways to use them to make legal work and business processes more effective.

Nice to Have

• Experience working at both a large bank and a smaller tech startup or fintech, ideally through a bank charter or launch process.

• Familiarity with OSFI B10 guideline

The posted salary range for this role is $180,000 - $210,000 CAD / year.

At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members.

Description de poste en français

À propos du poste

À titre de conseiller(ère) juridique principal(e), Commercial et corporatif, vous fournirez un soutien juridique à KOHO Tech et à KOHO Bank (lettres patentes en attente).

Vous travaillerez en étroite collaboration avec l’ensemble des secteurs de l’entreprise, et plus particulièrement avec les équipes Approvisionnement, Partenariats et Personnes et culture, afin de fournir des conseils juridiques pratiques.

Ce poste est idéal pour un(e) avocat(e) qui aime retrousser ses manches et bâtir de nouvelles choses, résoudre des questions réglementaires complexes et prendre en charge les résultats au sein d’une organisation agile et horizontale.

Ce que vous ferez

• Rédiger, réviser et négocier des contrats commerciaux, notamment des ententes complexes avec des partenaires et fournisseurs bancaires, de traitement et technologiques

• Soutenir nos équipes…