Company Description

Fifo Capital Northern Beaches is an SME cashflow finance company.

About the job

Legal Counsel — Commercial FinanceSydney (North Shore) · Hybrid · Full-timeWe're a non-bank lender providing invoice finance, supply chain finance and business loans to Australian SMEs. Small team, direct decision-making, real commercial exposure — the opposite of a large corporate legal function.This is our first dedicated in-house legal role. You'll own the legal function end to end and work directly with the Director.

What you'll do
Draft, review and improve facility documentation across invoice finance, supply chain finance and secured business loans
Manage the security position — GSAs, PPSR registrations and verification, guarantees, caveats, mortgages and priority arrangements
Run recovery and enforcement: demands, security enforcement, guarantor recovery, and instructing external counsel on litigated matters
Protect our position in insolvency — voluntary administrations, liquidations, proofs of debt, secured creditor strategy and DOCA analysis




Support our funding structure — warehouse and noteholder documentation, covenant and reporting obligations
Sit alongside credit on transaction structuring, so deals are papered right the first time
Keep compliance current across AML/CTF, privacy and contract governance

What you'll bring
4–6 years' post-admission experience in banking and finance, restructuring and insolvency, or commercial litigation
Practical PPSA capability — not theoretical. You've registered, verified, and enforced
Current NSW practising certificate
Commercial judgment. You can tell the difference between a risk worth papering and a risk worth pricing
Comfort operating without a legal team around you

What's on offer
Direct reporting line to the Director — your advice gets acted on the same week, not filtered through three layers
Genuine breadth: transactional, enforcement, insolvency and funding work in one role
Hybrid working from our North Shore office
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📌 In House Counsel New South Wales
🏢 Fifo Capital Northern Beaches
📍 New South Wales