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: Join PayPal’s Legal team as counsel supporting PayPal-branded US consumer credit products. You will advise teams supporting merchants and partners on the end-to-end distribution and operation of credit products, including sales enablement and marketing. You will also provide legal and regulatory guidance on onboarding, servicing, issue and dispute resolution, and collections for open-end and closed-end consumer credit. This role offers the opportunity to navigate evolving financial services regulation, address matters of first impression, and help business partners deliver innovative credit experiences in a complex regulatory environment. Job Description: Essential Responsibilities: Provide specialized legal advice and support to enable business strategy while identifying and managing legal risk. Ensure awareness of and advise on compliance with relevant laws and regulations. Build strong partnerships with business counterparts across the enterprise to proactively identify potential legal risks and provide strategic legal guidance. Identify, analyze, and advise on potential legal risks, presenting mitigation options and recommendations to protect the company and enable business objectives. Escalate complex legal issues and significant risks to senior legal leadership where appropriate. Research and analyze new laws, regulations, and regulatory guidance affecting the company's global operations, assessing potential business impact and recommended actions. Manage assigned legal matters through resolution, coordinating with internal stakeholders and external counsel as needed. Maintain current knowledge of legal developments relevant to assigned business areas and communicate implications. Minimum Qualifications: 5+ years relevant experience and a Juris doctorate degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications : Experience advising on legal and regulatory matters involving consumer credit and lending, financial services, consumer protection, sales, contracts, and marketing. Strong knowledge of laws and regulations applicable to consumer credit and payments, including UDAAP, EFTA/Reg. E, TILA/Reg. Z, GLBA/Reg. P, FCRA/Reg. V, FDCPA, ECOA/Reg. B, CAN-SPAM, and TCPA. Experience advising on e-commerce, payments, credit cards, or other consumer and small-business lending products. Experience supporting regulatory examinations and interactions with regulatory bodies, internal audits, and third-party audits. Exceptional legal research skills, including analyzing new legislation and regulation and applying evolving requirements to specific business use cases and matters of first impression. Ability to synthesize complex legal and regulatory requirements and provide clear, practical guidance to stakeholders across different levels of the organization. Admission to a U.S. state bar and in good standing. Exceptional legal drafting and writing skills, with strong attention to detail. Strong communication, collaboration, and problem-solving skills, with the ability to operate effectively in a fast-paced and evolving environment. Ability to take ownership of complex matters while collaborating effectively with legal colleagues and cross-functional partners across a global organization. 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; ($137,000.00 - $203,500.00 Annually) Additional Location(s) | Pay Range: No other locations are assigned to this requisition currently. 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 . 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 . 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.