Job description

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 is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers. We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also 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 also help merchants connect with their customers, process exchanges and returns, and manage risk. 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. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities. Job Summary: PayPal is seeking a seasoned capital markets attorney to join its Legal team. This role reports to the Vice President, Consumer Financial Services Legal, and 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. Job Description: Essential Responsibilities: • Provide strategic legal advice and support to senior management, influencing business strategy an 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. Minimum Qualifications: • 10+ years relevant experience and a Juris doctorate degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications : Why PayPal 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. The Capital Markets attorney in this role will have direct visibility into enterprise-level financing strategy and material impact on how PayPal funds and grows its credit businesses — with the scope and complexity of a large bank, and the pace and innovation culture of a technology company. 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. What You'll Do • 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. What We're Looking For • 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. Subsidiary: PayPal Travel Percent: 0 - The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is: Primary Location | Pay Range: New York City, New York: ($218,000.00 - $323,950.00 Annually) Additional Location(s) | Pay Range: 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) Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable. PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes. Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately. To learn more about how to identify and avoid recruitment fraud please visit careers.pypl.com . For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations. Our Benefits: At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset-you. That’s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health. Who We Are: Click Here to learn more about our culture and community. Commitment to Diversity and Inclusion 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. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at paypalglobaltalentacquisition@paypal.com . Belonging at PayPal: Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. 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. Any general requests for consideration of your skills, please Join our Talent Community . We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply. Notice to Applicants and Employees who reside within New York City. Click here to view the notice.

Requirements

Must-haves

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.
Provide strategic legal advice and support to senior management, influencing business strategy an 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.
10+ years relevant experience and a Juris doctorate degree OR Any equivalent combination of education and experience.
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.
J.D. from an accredited law school and active bar membership in at least one U.S. jurisdiction.
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.

Nice-to-haves

Additional Responsibilities & Preferred Qualifications :
Demonstrated ability to manage complex, multi-jurisdictional transactions; international experience is a plus.
Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.

Application prep

Use the role’s language and application details while tailoring your materials.

Platform: eightfold
Effort: medium

Benefits

Benefits detected in the listing.

Pto

Paid Time Off

Wellness