Director, Legal Counsel, Consumer Credit

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:

Consumer financial services are central to the future of PayPal and Venmo. We have exciting new products in development and need an experienced consumer credit lawyer to play a key role in legal support for our evolving Buy Now Pay Later (BNPL) business, fast-growing consumer revolving credit business, and innovative new credit products. As Director, Legal Counsel on the U.S. Credit Legal team, you will be a strategic advisor to product and strategy teams, guiding products from ideation through launch and scale, and help shape our response to a fast-moving legal and regulatory landscape. This high-impact role suits a pragmatic, business-minded consumer credit lawyer who leads by influence and thrives in a fast-paced environment.

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:

Additional Responsibilities:

• Serve as product and regulatory counsel for PayPal and Venmo consumer credit products, including BNPL (closed-end), consumer credit cards (open-end), and other innovative credit products in development, partnering with Product, Credit Risk, Compliance, Marketing, and Finance from concept through launch and ongoing operation, to include complaints and issue management.
• Provide legal support for credit underwriting and fraud strategy, including credit decisioning models and policies, adverse action and other disclosures, use of data and alternative data, and fraud controls, in partnership with Credit Risk, Fraud, and Compliance teams.
• Provide fair lending support, including advising on ECOA/Reg. B and UDAAP considerations in product design, underwriting, marketing, and servicing, model and policy reviews, and fair lending testing and monitoring.
• Provide legal support for incorporating BNPL and credit products into PayPal- and Venmo-branded checkout, including checkout experience and disclosures, merchant and partner integrations, and agentic commerce.
• Advise on product design, disclosures, marketing and rewards, servicing, billing and disputes, and collections, to ensure compliance with federal and state consumer credit laws, including TILA/Reg. Z (including the Credit CARD Act), ECOA/Reg. B, FCRA/Reg. V, EFTA/Reg. E, UDAAP, GLBA, SCRA/MLA, TCPA and state law equivalents.
• Support the relationships with bank issuing, program, merchant, and platform partners, including review of sales and marketing materials and familiarity with related commercial and program agreements.
• Provide leadership and mentorship to colleagues, develop practical guidance, templates, and training for business partners, and identify opportunities to use AI-enabled tools to improve legal workflows.

Preferred Qualifications

• 10+ years of experience as in-house counsel at a fintech, bank, card issuer, or lender, or at a law firm with a consumer financial services regulatory practice, advising on consumer credit products from design through launch.
• Deep, demonstrated expertise in consumer credit cards, BNPL or other closed-end installment credit, including TILA/Reg. Z, ECOA/Reg. B, FCRA/Reg. V, EFTA/Reg. E, and UDAAP, and state law equivalents.
• Substantial experience advising on credit underwriting and fraud strategy, and on fair lending (ECOA/Reg. B, disparate impact, and model and policy review).
• Experience advising on the integration of credit products into digital checkout and payments experiences, and an interest in emerging areas such as agentic commerce.
• Familiarity with state consumer lending and licensing regimes and the evolving state BNPL legislative and regulatory landscape.
• Experience with bank partnership or program-manager models, card network rules, and commercial partnership and co-brand agreements.
• Strong business judgment and presence, with the ability to translate complex legal issues into clear, practical advice for business leaders and to balance risk with opportunity.
• Demonstrated ability to lead through influence, mentor others, and manage multiple high-priority projects in a fast-paced, matrixed environment.
• Excellent written and verbal communication skills; collaborative, proactive, and curious, with high standards of integrity and discretion.

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:

Washington DC, District of Columbia; ($208,000.00 - $309,100.00 Annually)

Additional Location(s) | Pay Range:

Chicago, Illinois: ($198,000.00 - $294,250.00 Annually)

Austin, Texas: ($198,000.00 - $294,250.00 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 https://careers.pypl.com/contact-us.

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 [email protected].

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.