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About the Role

PayPal is seeking a seasoned capital markets attorney to join its Legal team. This role will serve as the primary legal advisor on capital markets transactions supporting PayPal's consumer lending and credit businesses, including its Buy Now Pay Later, credit card, and working capital products offered in the US and internationally. The ideal candidate brings deep transactional experience, strong securities law fundamentals, and the commercial judgment to advise effectively at the intersection of fintech, consumer finance, and capital markets.

Responsibilities

Provide strategic legal advice and support to senior management, influencing business strategy and decision making.
Anticipate regulatory and legal risks, and proactively design strategies to manage them.
Perform legal and regulatory compliance risk assessments, propose creative solutions where applicable, and help advance business objectives.
Manage escalations, collaborate across other teams and develop solutions to enable business partners to achieve their goals.
Develop a strong rapport and working relationship with business counterparts across the enterprise to help drive the delivery of effective legal services.
Ensure compliance with relevant laws and regulations, leading the adoption of cutting-edge legal technologies and best practices.
Manage legal risks and safeguard PayPal's legal interests, developing forward-looking risk management strategies.
Provide key inputs as an industry leader and expert, staying ahead of legal trends and influencing industry standards.
Serve as lead counsel and thought leader on debt and structured finance transactions, including asset-backed securitizations, warehouse lending facilities, forward flow agreements, and other capital markets executions supporting PayPal's global consumer and merchant credit portfolios.
Advise on securities law compliance in connection with registered and exempt offerings, including Rule 144A/Reg S transactions and Regulation AB compliance for ABS issuances.
Partner closely with Treasury, Finance, Risk, and the broader Legal organization to structure and execute financings that support PayPal's balance sheet strategy and credit product growth.
Counsel on disclosure obligations, reporting requirements, and ongoing securities compliance matters applicable to PayPal as a public company.
Manage relationships with outside counsel, rating agencies, trustees, underwriters, and other transaction counterparties; Coordinate with local counsel in relevant international jurisdictions.
Monitor regulatory developments affecting capital markets activity in consumer finance, including SEC rulemaking, CFPB guidance, state-level and international developments relevant to loan sales and securitization.
Support diligence and structuring on potential acquisitions, joint ventures, or strategic partnerships involving consumer credit assets or fintech-bank arrangements.
Identify and manage legal risk across the transaction lifecycle, from term sheet through closing and ongoing reporting obligations.
Develop internal legal playbooks, template documentation, and scalable processes for capital markets transactions.

Requirements

10+ years relevant experience and a Juris doctorate degree OR Any equivalent combination of education and experience.
J.D. from an accredited law school and active bar membership in at least one U.S. jurisdiction.
10+ years of Capital Markets legal experience, with meaningful time at a top-tier law firm focused on structured finance, ABS, or debt capital markets, and ideally supplemented by in-house experience at a bank, fintech, marketplace lender, payments platform, or financial services company.
Demonstrated experience with consumer loan securitization or asset-backed finance, including familiarity with credit card ABS, personal loan ABS, or BNPL-related financing structures.
Working knowledge of the regulatory environment governing fintech-bank partnerships, including bank partnership lending models and the role of originating bank partners in the capital markets context.
Strong drafting skills and experience managing complex, multi-party transaction processes under time pressure.
Ability to translate sophisticated legal and structural analysis into clear, actionable advice for business, legal and finance stakeholders.
Demonstrated ability to manage complex, multi-jurisdictional transactions; international experience is a plus.
Collaborative, low-ego working style with the confidence to operate independently and push back constructively when warranted.

Skills

Capital markets transactions
Consumer lending
Credit businesses
Buy Now Pay Later
Credit card products
Working capital products
Fintech
Consumer finance
Securities law
Transactional experience
Commercial judgment
Debt finance
Structured finance
Asset-backed securitizations
Warehouse lending facilities
Forward flow agreements
Securities law compliance
Registered offerings
Exempt offerings
Rule 144A/Reg S transactions
Regulation AB compliance
Disclosure obligations
Reporting requirements
Securities compliance
Legal risk management
Consumer loan securitization
Asset-backed finance
Credit card ABS
Personal loan ABS
BNPL-related financing structures
Fintech-bank partnerships
Bank partnership lending models
Drafting skills
Transaction process management
Legal and structural analysis
Multi-jurisdictional transactions

Location

New York City, New York
Chicago, Illinois
San Jose, California
Washington DC, District of Columbia
Scottsdale, Arizona
Omaha, Nebraska

Work Type

Hybrid

Experience Level

10+ years relevant experience
10+ years of Capital Markets legal experience

Education Level

Juris doctorate degree
J.D. from an accredited law school

Salary/Compensations

New York City, New York: ($218,000.00 - $323,950.00 Annually)
Chicago, Illinois: ($198,000.00 - $294,250.00 Annually)
San Jose, California: ($218,000.00 - $323,950.00 Annually)
Washington DC, District of Columbia: ($208,000.00 - $309,100.00 Annually)
Scottsdale, Arizona: ($188,000.00 - $279,400.00 Annually)
Omaha, Nebraska: ($188,000.00 - $279,400.00 Annually)

Benefits

Comprehensive, choice-based programs to support physical, emotional, and financial wellbeing.
Generous paid time off.
Healthcare coverage for you and your family.
Resources to create financial security.
Support for mental health.

About the Company

PayPal has been revolutionizing commerce globally for more than 25 years, creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure.
PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy.
We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers.
We help merchants and consumers connect, transact, and complete payments, whether they are online or in person.
PayPal offers proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.
Our PayPal, Venmo, and Xoom products make it safer and simpler for friends and family to transfer funds to each other.
We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts.
We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.
Our beliefs are the foundation for how we conduct business every day, guided by our core values of Inclusion, Innovation, Collaboration, and Wellness.
PayPal operates one of the world's largest consumer and merchant credit platforms, with products spanning Pay Later, consumer credit cards, business lending, and working capital.
This is a high-visibility role with direct exposure to senior leadership and the opportunity to help build and scale a best-in-class capital markets function at one of the world’s leading fintech companies.

Equal Opportunity

PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law.
In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities.
We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.