Senior Legal Counsel

About Us Cachet is building the insurance infrastructure to let Europe's platform economy thrive. Our technology and services are enabling platforms to control risk and prevent loss at scale. We design and operate smart, data-driven insurance solutions for shared mobility operators, and digital platforms therefore enabling fairer pricing, flexible coverage, and real-time risk insights. Our technology and insurance distribution capabilities are trusted by leading partners across Europe, supporting millions of end users in dynamic, real-world environments. Cachet operates across the EU combining regulated insurance expertise with startup-level speed and ambition. We are scaling rapidly in markets, across products, and partnerships and we are now strengthening our legal function to ensure that growth is enabled, not constrained, by legal and regulatory complexity. Why This Role Matters This role is primarily about enabling Cachet’s growth and product development in a highly regulated insurance environment. As the business scales across markets, new products are launched, and partnerships deepen, legal support must be fast, commercially minded, and deeply embedded in the business. We at Cachet are solving complexity from insurance agreements and partner contracts to multi-market legal questions that require nuanced judgment. Your Role & Responsibilities Core Responsibilities Act as a senior legal partner to the business with a strong focus on insurance and financial-sector compliance matters Own and drive legal strategy for current and future markets Lead insurance-related internal policy upgrades and governance improvements Draft, review, and negotiate complex commercial and insurance agreements (often bespoke) Translate regulatory and legal requirements into practical, scalable business solutions Day-to-Day Work Custom agreements and swift business support Ongoing legal problem-solving in a fast-changing environment Close collaboration with Sales and other commercial stakeholders Decision-Making Full ownership: Insurance-related legal questions Collaborative: Compliance-related topics, aligned with the Chief Legal & Compliance Officer To ensure focus and impact, the following areas are not an immediate expectation for this role: Data protection / GDPR Information security Intellectual property Product-specific legal work Who We’re Looking For Must-Have Senior-level legal professional with strong experience in insurance and/or the financial sector Experience working in regulated environments, ideally with cross-border exposure Startup, scale-up, or new-product experience Strong sense of ownership and accountability Solution-oriented, pragmatic, and creative in legal problem-solving Excellent English (French and/or German is a plus) Eligible to work in the EU (location either in Tallinn, or remotely in the EU) Nice to Have Insurtech exposure (can also be learned on the job) What Success Looks Like when hired First 2 months: You are fully onboarded and actively contributing to key legal topics. 4 months: You are independently handling the most urgent and complex matters, have a strong grasp of Cachet’s business model, and are stabilising legal operations. 8 months: You fully own legal projects across the business, proactively support strategic decisions, and help shape the future structure of the legal & compliance function. Strong performance is defined by proactive, business-aligned legal support, combined with continuous improvement of legal governance and processes. What the recruitment process looks like First call with the HR and Chief Legal and Compliance Officer / Head of Legal (30 min, remote) Home assignment (max 1 page output approx. 2h workload) Meeting with CLCO Kristjan Aruoja and the co-founders of Cachet: CEO Hedi Mardisoo, COO Kalle Palling (1-1,5h) Background check Offer Join Cachet At Cachet, legal is not a support function on the sidelines, rather a strategic enabler of growth. If you are a senior legal professional who wants to work close to the business, shape legal foundations at scale, and influence how insurance evolves across Europe, we would love to hear from you. This role is hired on an ongoing basis and applications are reviewed continuously. Cachet is an equal opportunity employer and values diversity, ensuring all employment decisions are based on merit, qualifications, and business needs.