• Provide clear, pragmatic, and solution-oriented legal advice to enable business strategy while managing legal risk. • Participate in complex problem resolution, providing expert legal advice on high-stakes issues and disputes. • Ensure compliance with relevant laws and regulations. • Partner with business counterparts across the enterprise to help drive the delivery of effective legal services. • Manage legal risks and safeguard PayPal's legal interests, developing comprehensive risk management frameworks. • Escalate complex issues to senior legal leadership where appropriate.

• Provide expert advice on a range of capital markets transactions in jurisdictions around the globe, including debt financings, loan origination partnerships, forward flows, stablecoin and crypto denominated facilities and other asset-based financings • Draft, review, and negotiate a wide range of legal documents, including commercial contracts • Assist with corporate governance matters, board management, and ensure compliance with all corporate foundational documents • Provide counsel and assistance with equity management (e.g. administration of cap table and employee options) • Serve as a key legal advisor on major business transactions, including fundraising rounds and joint ventures • Oversee due diligence processes and provide guidance on legal implications of business decisions • Collaborate closely with Finance, Capital Markets, Product and other cross-functional teams to support business objectives and mitigate legal risks • Develop and implement policies and procedures to ensure the legal department operates efficiently

• Read and analyze judicial and administrative proceedings (CRM); • Draft official letters, notices, agreements, emails, and other extrajudicial documents; • Conduct research and draft responses for client advisory services; • Represent clients at hearings in judicial and administrative proceedings.

Role Description As a Senior Legal Counsel, Capital Markets, you will support the execution of key financing transactions and provide practical legal guidance across investor-facing activities. You’ll work cross-functionally to help scale processes and ensure consistency across a growing set of products and funding structures. - Support capital markets and finance teams on purchase and sale agreements, securitizations, and other liquidity arrangements, as well as day-to-day legal support. - Draft, review, and negotiate transactional documents with institutional investors, including asset managers, private equity firms, hedge funds, and pension funds. - Partner with internal stakeholders and external counsel to support structuring and execution of securitization transactions, including pass-through and asset-backed structures. - Contribute to managing deal flow, timelines, and documentation across multiple concurrent transactions. - Collaborate with legal, product, and regulatory teams to ensure consistency across agreements and alignment with evolving requirements. - Maintain and improve transaction templates and processes to support efficient and scalable execution. - Provide guidance on legal risks and contribute to internal education on capital markets topics. Qualifications - Juris Doctor (J.D.) degree and active membership in at least one U.S. state bar. - 7+ years of legal experience in structured finance, debt finance, capital markets, or a related practice area. - Experience drafting and negotiating transactional agreements in financing or capital markets contexts. - Experience supporting securitization transactions or similar structured finance arrangements. - Experience working with cross-functional stakeholders and external counsel on complex transactions. Requirements - Experience working at a fintech or lending-focused company. - Knowledge of asset-backed securitizations and capital markets structures. - Ability to manage multiple transactions with competing priorities and timelines. - Skills in developing or improving legal templates and transaction processes. - Ability to communicate legal concepts clearly to business and non-legal stakeholders. Benefits - Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly. - Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada). - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only). - Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. - Health Savings Account contributions from Upstart for eligible plans (US only). - Income protection benefits, including life insurance and disability coverage for added financial security. - Paid time off, sick leave, and company holidays, in line with local requirements. - Paid family and parental leave to support caregiving and major life moments (duration varies by country). - Family-centered benefits to support fertility, parenthood, and caregiving needs. - Employee Assistance Program (EAP) offering mental health support and life-centered resources. - Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only). - Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you. - Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from. - Connection and community through team events, all-company updates, and employee resource groups (ERGs). - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).