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 identif