Senior Legal Counsel, Credit

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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 Description Summary:
Meet our team You will join a team of seasoned legal counsels and report to the Director, Legal of the EU Credit Legal team. We are a highly professional and ambitious team with a strong team spirit. In this role, you will partner with many internal and external stakeholders globally, including the German and broader European credit business, Credit Risk, Product, Marketing, and Sales, PayPal Europe\’s authorized managers, and PayPal\’s team in Luxembourg. Success in this role means becoming the business\’s trusted advisor and subject matter expert on regulatory and product advice for the credit space.
Job Description:
Your way to impact
As a Senior Legal Counsel, you will directly influence the development and success of PayPal\’s credit products in Germany and other European markets. Your expertise will ensure that PayPal\’s credit products in Germany comply with evolving regulatory requirements. By providing strategic legal guidance and embedding a solid business understanding, you will help shape product features and drive PayPal\’s growth in the credit market, ultimately enhancing our customer experience.
Your day-to-day
In your day-to-day role, you will:

• Perform legal analysis of new product features of German European consumer and merchant credit and other financial services products.
• Conduct due diligence on complex regulatory topics and support decision-making processes within PayPal.
• Analyse new European credit laws and their impact on PayPal\’s German and European credit products.
• Collaborate with teams of other PayPal in-house attorneys, personnel, and outside advisors (including outside counsel).
• Advise and work closely with key stakeholders, including senior executives, Product, Credit Risk, Compliance, Privacy, Treasury, Tax, Accounting, and business functions.
• Handle ad-hoc requests and projects as required.

What Do You Need To Bring

• A recognized German law degree and at least 5-7 years experience practicing either in-house (or in an equivalent setting) or at a reputable law firm, ideally focusing on consumer credit law and payments laws. Expertise in structured finance is a plus.
• Maturity, self-motivation, independence, and strong organizational and problem-solving skills.
• Ability to work effectively in a matrixed environment with multiple stakeholders.
• Excellent interpersonal, written, and oral communication skills.
• Ability to thrive in a fast-paced work environment and manage numerous projects simultaneously under deadline pressure.
• Team-oriented with the ability to work collaboratively and effectively with business clients and other legal department members.
• Fluency in English and German is required. Other language skills are welcome.
• We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don\’t hesitate to apply.

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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.
We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit We Are:
To learn more about our culture and community visit 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.
REQ ID R0116469

Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Legal

• Industries

  Software Development, Financial Services, and Technology, Information and Internet

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