COMPANY

Credit Genie is a mobile-first financial wellness platform designed to help individuals take control of their financial future. We leverage artificial intelligence to provide personalized insights and are building a financial ecosystem by offering tools and services that provide instant access to cash, and building credit. Our goal is to empower every customer to achieve long-term financial stability.
Founded in 2019 by Ed Harycki, former Swift Capital Founder (acquired by PayPal in 2017). Backed by Khosla Ventures and led by industry pioneers from companies such as; PayPal, Square, and Cash App, we are well positioned to build the future of inclusive finance through cutting-edge technology and customer-centric solutions.

• Provide expert legal advice on corporate governance, equity financing, and strategic transactions.
• Ensure compliance with fintech regulations, including lending laws (e.g., TILA, ECOA), payment processing (e.g., PCI-DSS), and data privacy (e.g., GDPR, CCPA).
• Draft and negotiate high-stakes contracts, including merchant agreements, payment processor partnerships, and technology licensing deals.
• Mitigate risks in product launches, such as brokerage or trading platforms.
• Advise on fundraising rounds, M&A, and potential IPO preparation, supporting our growth trajectory.
• Build scalable legal frameworks for credit and lending products, ensuring alignment with federal and state regulations.
• Lead cross-functional collaboration with product, risk, and compliance teams to embed legal considerations into innovative financial products.
• Manage litigation, regulatory inquiries, and external counsel relationships with efficiency and precision.
• Support international expansion, navigating cross-border payment and lending regulations.
• Develop and mentor an in-house legal team to support our scaling operations.