---
title: 'Commercial Legal Director at Dave'
canonical: 'https://feeny.ai/job/commercial-legal-director-dave-united-states-25dm2wdgbjh2'
type: 'job'
last_seen: '2026-11-04'
---

# Commercial Legal Director at Dave

- **Company:** Dave
- **Location:** United States
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-11-02
- **Last confirmed live:** 2026-11-04
- **Apply:** https://jobs.ashbyhq.com/dave/cac6e779-ce6a-4714-ad23-4ec0f10ab7cc

## Job description

Dave vs. Goliath. We’re Dave. Dave is a financial app on a mission to build products that level the financial playing field. It is redefining the financial landscape by leveraging technology to create an affordable, transparent, and user-centric access to liquidity for millions of Americans. As a leading innovator in the U.S. financial services sector, Dave’s digital financial platform offers products designed to meet the credit needs of those underserved by traditional financial institutions. Dave’s offerings include its flagship ExtraCash product, providing members up to $500 within minutes. The company is on track to launch several new product offerings in 2026, including a Buy Now Pay Later (BNPL) option.

Dave is focused on serving Americans who are financially vulnerable or living paycheck to paycheck. Dave is leading the charge in creating a new era of credit products that prioritizes speed, affordability, and accessibility, making it the go-to financial partner for those who need it most.

As Commercial Legal Director, you'll be a trusted legal advisor across Dave, bringing deep expertise in technology transactions, AI, and commercial contracting to some of our most important business decisions. You'll own complex negotiations, establish scalable contracting standards, and help teams navigate novel legal questions with sound judgment and practical solutions. This is an opportunity to influence how we operate across product, engineering, finance, marketing, and other functions while balancing business priorities, legal risk, and long-term impact.

## What You'll Own

- Lead complex commercial transactions: Own strategy, negotiation, and execution for high-impact agreements, including SaaS, technology licensing, partnerships, marketing, services, agency, and other commercial arrangements.
- Shape our legal frameworks: Develop and evolve negotiation standards, playbooks, templates, and contracting policies that support consistency, sound risk management, and business growth.
- Guide emerging technology decisions: Advise on complex legal issues involving AI, machine learning, intellectual property, data privacy, security, and evolving regulatory considerations.
- Build scalable legal operations: Improve contracting workflows, governance, and analytics using Ironclad and AI-enabled tools to make legal processes more effective, measurable, and sustainable.
- Advise across the business: Partner with leaders across engineering, product, marketing, finance, and people teams to evaluate risk, resolve complex challenges, and enable informed decisions.
- Advance legal strategy: Identify emerging legal and commercial risks, develop forward-looking solutions, and engage outside counsel when specialized expertise is needed.

The Impact Your work will help Dave pursue new opportunities, strengthen commercial relationships, and navigate emerging technologies responsibly. By building thoughtful legal frameworks, you'll enable teams to move forward with clarity while protecting our members and supporting sustainable growth.

## What We're Looking For

- J.D. and 8+ years of relevant law firm and/or in-house legal experience, with substantial ownership of complex technology transactions and commercial matters.
- Demonstrated expertise negotiating sophisticated SaaS, licensing, partnership, and technology agreements.
- Deep understanding of AI-related commercial legal issues, including enterprise risk, intellectual property, data privacy, and security.
- Experience establishing legal contracting standards, playbooks, and scalable operational frameworks.
- Hands-on experience with Ironclad or comparable contract lifecycle management platforms.
- Strong commercial judgment, with the ability to evaluate complex risks and communicate practical recommendations to senior stakeholders.
- Exceptional communication, negotiation, and relationship-building skills.

Bonus points for: Experience in fintech or financial services, AI/ML technologies, cloud services, and advertising or marketing transactions.

What Makes Someone Successful Here You bring independent judgment to complex decisions and take responsibility for outcomes, not just agreements. You understand how legal decisions connect to our products, members, and broader business. You care about building solutions that hold up over time and know when to challenge assumptions, make thoughtful trade-offs, or recommend a different path. You also recognize that strong legal counsel depends on partnership. You build trust across functions, welcome different perspectives, and communicate complex issues clearly. When priorities or regulations evolve, you adapt your approach while maintaining sound legal principles and helping others move forward confidently.

What to Expect You'll have meaningful autonomy, access to senior decision-makers, and the opportunity to shape practices across Dave. The work involves evolving business priorities and emerging legal questions, with decisions informed by data, thoughtful analysis, and collaborative problem-solving.

Why Join Dave? At Dave, you'll work on meaningful challenges at the intersection of financial technology, AI, and commercial innovation. You'll have the scope to influence important decisions, build better systems, and contribute to a mission that directly impacts millions of members.

Ready to build for the underdog? Reports to: Senior Director, Assistant General Counsel

Don’t let imposter syndrome get in the way of an incredible opportunity. We’re looking for people who can help us achieve our mission and vision, not just check off the boxes. If you’re excited about this role, we encourage you to apply. You may just be the right candidate for this or other roles.

Why you’ll love working here: At Dave, our people are just as important as our product. Our culture reflects the values that guide who we are, how we work, and what we aspire to be. Daves are member-centric, helpful, transparent, persistent, and better together. We strive to create an environment where all Daves feel valued, heard, and empowered to do their best work. As a virtual-first company, team members can live and work anywhere in the United States, except Hawaii.

A few of our benefits & perks: 💚 Opportunity to tackle tough challenges, learn and grow from fellow top talent, and help millions of people reach their personal financial goals 💻 Flexible hours and virtual-first work culture with a home office stipend 🏥 Premium Medical, Dental, and Vision Insurance plans 👶 Generous paid parental and caregiver leave 💰 401(k) savings plan with matching contributions 📈 Financial advisor and financial wellness support 🏖️ Flexible PTO and generous company holidays, including Juneteenth and Winter Break 🎉 All-company in-person events once or twice a year and virtual events throughout to connect with your team members and leadership team

Dave Operating LLC is proud to be an Equal Employment Opportunity employer and is dedicated to cultivating a diverse and inclusive workplace. We will consider for employment all qualified applicants and do not discriminate on any basis protected by federal, state, or local law, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance relating to an applicant's criminal history.

## #LI-REMOTE

## About Dave

## Company Overview
- **One-liner**: Dave is a US neobank building AI-powered financial products that provide short-term liquidity and cash flow management tools for everyday Americans.
- **Entity Type**: Public (Ticker: DAVE on Nasdaq)
- **Headquarters**: Los Angeles, California, USA
- **Founded**: 2017
- **Founders**: Jason Wilk

## Core Business
- **Primary industry/industries**: Consumer fintech, neobanking, short-term credit, AI-powered underwriting
- **Target customers**: 185 million Americans who regularly need help covering basic necessities between paychecks; primarily B2C with a focus on underbanked and credit-challenged consumers
- **Mission or purpose statement**: To level the financial playing field for Americans who need it most

## Products & Services
- **ExtraCash®**: Flagship product; cash advance of up to $500 between paychecks with no credit check, no late fees, and no compound interest. Clear pricing at $5 per $100 borrowed. Uses CashAI™ for underwriting.
- **CashAI™**: Proprietary AI underwriting model that analyzes cash flow (not credit scores) across 180+ data points including income, bank balance, spending patterns, and transaction history. Processes billions of data points to deliver high credit limits and low loss rates.
- **DaveGPT**: Generative AI assistant integrated into the app for real-time member support, handling account management, direct deposit setup, ExtraCash management, and general questions.
- **Pay In Four Card (forthcoming)**: A short-term credit product aimed at disrupting subprime credit cards with no credit check, late fees, or compound interest, expected to launch in future.

## Market Standing
- **Valuation/Market Cap**: ~$555.9 million market cap as of 2025
- **Key Metric**: Over 14 million members; CashAI has originated more than 180 million transactions; loss rates declined to nearly 1% while originations per user grew triple digits; customer acquisition cost under $20 (vs. incumbents spending hundreds)
- **Notable Investors/Partners**: Publicly traded; leadership team includes Jason Wilk (Co-Founder & CEO), Kyle Beilman (CFO & COO), Kevin Frisch (CMO), Joan Aristei (CLO)
- **Growth Signals**: 30% of new members join via word of mouth; triple-digit growth in originations per user; loss rates declining to near 1%; developing next-generation Pay In Four card; mission-driven growth narrative

## Competitive Advantages
- **CashAI moat**: Proprietary cash-flow underwriting engine that delivers better outcomes for short-duration liquidity than traditional FICO scoring, leading to higher credit limits and lower loss rates
- **Member-centric, transparent pricing**: Flat fee structure ($5 per $100) with no hidden terms, no compound interest, and no debt sent to collections
- **Low-cost customer acquisition**: Word-of-mouth referrals drive 30% of new members at a fraction of incumbent marketing costs (<$20 vs. hundreds of dollars)
- **Speed to value**: Members can be approved for up to $500 within minutes of joining, creating a strong conversion funnel

## Strategic Focus
- **Scale the flagship**: Continue growing ExtraCash membership and transaction volume, leveraging word-of-mouth flywheel and AI-driven underwriting
- **Build next-generation credit**: Develop the Pay In Four card as a new product line aimed at subprime credit card replacement
- **Deepen AI capabilities**: Continue refining CashAI and DaveGPT as core infrastructure for underwriting and member support
- **Operating efficiency**: Maintain low operating costs to pass savings to members and sustain competitive pricing

## Why Work Here
- **Fully remote-first**: Dave is a fully virtual company; team members can work from anywhere in the U.S. (except Hawaii for now); company brings the team together 1–2 times per year plus team offsites [dave.com](https://dave.com/careers)
- **Same competitive pay regardless of location**: Compensation is not differentiated by employee work location [dave.com](https://dave.com/careers)
- **Culture values**: Member-centric, helpful, transparent, persistent, "better together" [dave.com](https://dave.com/about)
- **Benefits**: 401(k) with company match, free financial advising, generous parental and caregiver leave, comprehensive health/dental/vision/disability/life insurance, flexible PTO, Juneteenth and winter break off [dave.com](https://dave.com/careers)
- **Open roles**: Active hiring in Software Engineering, Data Analytics, Machine Learning Platform Engineering, Product Management, Security & IT (9 current openings) [jobs.ashbyhq.com](https://jobs.ashbyhq.com/dave)
- **Mission-driven**: Focus on building products that level the financial playing field for everyday Americans [dave.com](https://dave.com/about)

## Sources
1. [dave.com - About Page](https://dave.com/about)
2. [dave.com - Careers Page](https://dave.com/careers)
3. [investors.dave.com - Our Story](https://investors.dave.com/our-story)
4. [jobs.ashbyhq.com - Dave Jobs](https://jobs.ashbyhq.com/dave)
5. [linkedin.com - Dave Jobs](https://www.linkedin.com/company/dave-com/jobs)

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