Legal Counsel, Credit

PayPal

. Advise teams supporting PayPal-branded U.S.

Posted 9/21/2026full-timeUnited StatesMid-LevelSenior💰 $137,000 - $203,500 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in U.S. consumer credit and payments laws, providing legal and regulatory guidance while managing legal risks. Proficient in legal research, drafting, and synthesizing complex regulations to support business strategies in a fast-paced environment.

Highest-signal resume keywords

Juris Doctorate Degree5+ Years Relevant ExperienceU.S. Consumer Credit LawsLegal Research SkillsRegulatory Compliance Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Legal DraftingRegulatory GuidanceRisk AnalysisConsumer Protection LawE-Commerce LawFinancial Services LawContract LawSales EnablementDispute ResolutionCollections Law

Soft Skills

Strong CommunicationCollaborationProblem-SolvingOwnershipAdaptability

Certifications & Qualifications

Admission to U.S. State Bar

Industry Keywords

Consumer CreditPaymentsLendingRegulatory ExaminationsInternal AuditsThird-Party AuditsUDAAPEFTA/Reg. ETILA/Reg. ZFCRA/Reg. V

About the role

Key responsibilities & impact

Advise teams supporting PayPal-branded U.S. consumer credit products
Advise merchants and partners on end-to-end distribution and operation of credit products, including sales enablement and marketing
Provide legal and regulatory guidance on onboarding, servicing, issue and dispute resolution, and collections for open-end and closed-end consumer credit
Provide specialized legal advice and support to enable business strategy while identifying and managing legal risk
Advise on compliance with relevant laws and regulations
Build partnerships with business counterparts to proactively identify legal risks and provide strategic guidance
Analyze legal risks and present mitigation options and recommendations
Escalate complex legal issues and significant risks to senior legal leadership
Research and analyze new laws, regulations, and regulatory guidance affecting global operations
Assess business impact and recommend actions
Manage assigned legal matters through resolution with internal stakeholders and external counsel
Maintain current knowledge of legal developments and communicate implications

Requirements

What you’ll need

5+ years relevant experience
Juris Doctorate degree OR any equivalent combination of education and experience
Experience advising on legal and regulatory matters involving consumer credit and lending, financial services, consumer protection, sales, contracts, and marketing
Strong knowledge of U.S. consumer credit and payments laws and regulations, 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, regulatory-body interactions, internal audits, and third-party audits
Exceptional legal research skills, including analyzing new legislation and regulation and applying evolving requirements to business use cases and matters of first impression
Ability to synthesize complex legal and regulatory requirements and provide clear, practical guidance
Admission to a U.S. state bar and in good standing
Exceptional legal drafting and writing skills
Strong communication, collaboration, and problem-solving skills
Ability to operate effectively in a fast-paced and evolving environment
Ability to take ownership of complex matters while collaborating with legal colleagues and cross-functional partners across a global organization

Benefits

Comp & perks

Balanced hybrid work model: 3 days in the office and 2 days at the PayPal office or home workspace
Generous paid time off
Healthcare coverage for you and your family
Resources supporting financial security
Mental health support
Annual performance bonus, equity, or other incentive compensation, as applicable
Reasonable accommodations for qualified individuals with disabilities