Counsel, Capital Markets & Finance

Counsel, Capital Markets & Finance

About Carvana
At Carvana, we’re changing the way people buy and sell cars. With an ambitious vision and a fundamentally different approach designed to be fun, fast, and fair, Carvana became the fastest-growing automotive retailer in history. We expanded nationally, went public on the New York Stock Exchange, sold our 1 millionth car, and reached the Fortune 500, all in just eight years. 

Today, with 4 million retail customers and counting, Carvana is both the fastest-growing and the most profitable public automotive retailer, and we’re just getting started. We continue to raise the bar for our customers as we tackle the enormous opportunity still ahead in the largest consumer vertical.  

Working here means being part of a team that embraces change, celebrates creative problem solving, and always strives to be better. At Carvana, you’ll have the opportunity to take on meaningful challenges, learn quickly, and help shape the future of automotive retail. If you’re driven to grow and make an impact as part of a collaborative team, you’ll fit right in. Learn more about what it’s like to work here from the people that already do. 

About the team and position
Carvana’s Capital Markets & Finance Legal Team is a high-performing team of transactional attorneys who work where law, finance, and innovation meet. We partner shoulder-to-shoulder with Carvana’s Capital Markets & Finance business unit to design, execute, and optimize the company’s funding strategy, including our asset-backed securitization program, warehouse financing, and forward-flow arrangements. From advising on deal structure and disclosure to negotiating complex transaction documentation and managing outside counsel, we operate as true thought partners, continually re-engineering processes to help scale the business with confidence. We are seeking candidates who are motivated by solving novel challenges, value collaboration within a true team environment, and aspire to make a meaningful contribution to the company.

This is a fully on-site position, Monday through Friday, at our corporate HQ in Tempe, Arizona.

What you’ll be doing 

• Serve as primary internal counsel on a broad spectrum of financing transactions, including SEC-registered and private asset-backed securitizations, warehouses, floorplan financing, unsecured and secured note offerings, forward-flow and whole-loan sales, and other bespoke funding structures in support of the company’s loan monetization efforts.
• Draft, review, and negotiate core and ancillary transaction documents, public disclosure, term sheets, engagement letters, opinions, and other documentation.  
• Partner daily with Carvana’s capital markets, finance, treasury and accounting functions along with internal and external lawyers, and all parties to our financing transactions to structure transactions, coordinate diligence and ensure compliance with the wide-ranging rules and regulations that affect financing transactions.
• Manage relationships with banks, asset managers, rating agencies, trustees, servicers, and other external stakeholders; select, supervise, and evaluate outside counsel, and drive alignment on strategy, budget, timeline, and deliverables.
• Monitor market trends, regulatory developments, and investor sentiment in the structured finance and capital markets industries. Translate insights into actionable recommendations that inform Carvana’s funding roadmap and enhance the company’s risk-management posture.
• Design and implement scalable, tech-enabled and AI-assisted legal workflows that streamline documentation, improve data integrity, and reduce execution risk across the deal lifecycle.
• Provide real-time, business-oriented advice to senior leadership on capital markets strategy, covenant compliance, disclosure obligations, rating agency queries, and other finance-related matters.
• Contribute to a culture of continuous improvement by mentoring teammates, sharing best practices, championing innovative legal operations tools and approaches, and embracing responsibility for results by being transparent about challenges and focusing on solutions.

What you should have/know

• J.D. from an accredited law school and active membership in good standing with at least one U.S. state bar required.
• 2-5 years of experience at a leading law firm representing issuers, underwriters, lenders, or sponsors in structured finance, capital markets, and/or various other forms of debt finance transactions; similar in-house experience is also considered a plus. 
• Demonstrated ability to meaningfully contribute to complex financing transactions.
• Familiarity with the wide-ranging rules and regulations governing asset-backed securitization, debt financing, and loan monetization transactions.
• Sophisticated verbal and written communication skills capable of translating intricate legal concepts into concise, actionable guidance for stakeholders at every level of the organization.
• Exceptional judgment, commercial acumen, and ability to thrive under pressure while managing multiple, time-sensitive transactions in a dynamic, high-growth environment.
• Tech-savvy, with enthusiasm and willingness to leverage automation and AI to drive efficiency and accuracy throughout the deal process.

What we’ll offer in return

• Full-Time salary position with a competitive salary and Carvana stock compensation.
• Medical, Dental, and Vision benefits.
• 401K with company match.
• A multitude of perks including student loan payments, discounts on vehicles, benefits for your pets, and much more.
• A great wellness program to keep you healthy and happy both physically and mentally.
• Access to opportunities to expand your skill set and share your knowledge with others across the organization.
• A company culture focused on high performance and bar-raising, with vast opportunity to learn and grow.
• Other requirements
• To be able to do your job at Carvana, there are some basic requirements we want to share with you.
• Must be able to read, write, speak, and understand English.

Of course, we’ll make any reasonable accommodations for those with disabilities to perform the essential functions of their jobs. 

• Legal stuff
• Hiring is contingent on passing a complete background check.  This role is not eligible for visa sponsorship.

Carvana is an equal employment opportunity employer.  All applicants receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, marital status, national origin, age, mental or physical disability, protected veteran status, or genetic information, or any other basis protected by applicable law.  Carvana also prohibits harassment of applicants or employees based on any of these protected categories.

Please note this job description is not designed to contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.