Zainah Pty Ltd (ACN 134 118 737), trading as "Online Credit 365" — North Sydney, NSW | Full-time

About Us:

Credit 365 is an Australian consumer credit provider and an AI-first company (credit365.com.au). We use AI tools to take repetitive admin off our team's plate, so people can spend their time on judgement, customers and growing the business. We are building out our operations, compliance and governance as the business grows, and are hiring a Legal Manager to make sure our contracts and legal framework meet every regulatory requirement.

About the role

You will own Credit 365's legal function. You will make sure our customer contracts, documents and third-party arrangements comply with consumer credit law and protect the business.

What you'll do

- Own the consumer loan agreement and keep it compliant with the National Credit Code, including pre-contractual disclosure, fees and charges, default and enforcement terms.
- Draft, negotiate and maintain outsourcing and vendor agreements (payment providers, banks, communications and other service providers), with transparent service levels, audit rights, data protection and exit terms.
- Review customer-facing documents, website content and marketing for misleading or deceptive conduct and unfair contract terms risk.
- Monitor changes in law and ASIC/AFCA guidance and turn them into required document and process changes.




- Advise Compliance and Operations on legal questions from complaints, hardship, collections and AFCA matters.
- Manage external lawyers, legal spend, regulator correspondence, disputes and litigation.
- Maintain a contract register with renewal dates, owners and key obligations.
- Use AI tools to streamline routine legal work (first drafts, contract review, the contract register, regulatory change tracking), freeing time for advice and negotiation.

What you'll bring

- Law degree and admission as a lawyer in an Australian jurisdiction, with a current practising certificate.
- 5+ years in consumer credit, financial services or banking law, in-house or in private practice.
- Working knowledge of the NCCP Act, National Credit Code, ASIC Act consumer protections, the Privacy Act 1988 and the Credit Reporting Code.
- Strong drafting and negotiation skills.
- Able to explain legal risk in plain language to non-lawyers.
- Curious about technology: you use AI tools day to day and enjoy improving how work gets done.

Nice to have

- Experience with small-amount or short-term credit, or fintech.
- Experience with outsourcing arrangements.
- Experience handling AFCA disputes.

Why join us

- A key role with real ownership while we build the function.
- Direct line to the leadership team.

Pay: $60,000.00 – $80,000.00 per year

Work Location: In person

📌 Assistant Legal Manager (Sydney)
🏢 Zainah
📍 Sydney