Sr. Director, Legal - EU & UK 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:
PayPal is seeking a Senior Director to lead its EU/UK Credit Legal team, a senior role that combines day-to-day management of a multi-jurisdictional legal team with hands-on strategic counsel across PayPal's European consumer credit, BNPL, and merchant lending portfolios. This position is the primary legal partner for PayPal's EU and UK credit business, with accountability for legal strategy across all consumer credit and buy now, pay later (BNPL) products in the UK and across EU markets.
Job Description:
Essential Responsibilities:
Manage, mentor, and develop a team of attorneys and legal professionals across multiple jurisdictions.
Act as a trusted advisor to senior executives, influencing business strategy and decision-making.
Anticipate regulatory and legal risks, and proactively design strategies to manage them.
Influence long-term success strategy of the function, driving innovation and continuous improvement in legal practices.
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.
Collaborate with other legal and compliance teams, and other cross-functional groups to support initiatives globally.
Provide key inputs as an industry leader and expert, staying ahead of legal trends and influencing industry standards.
Minimum Qualifications:
12+ years relevant experience and a Juris doctorate degree OR Any equivalent combination of education and experience.
Additional Responsibilities & Preferred Qualifications:
Team Leadership & Management
Lead, mentor, and manage a team of attorneys across EU and UK markets, fostering a high-performance, collaborative culture.
Serve as the escalation point for complex legal issues, regulatory disputes, and strategic decisions requiring senior judgment.
Manage team capacity and prioritization across markets and product lines; develop and retain legal talent.
Serve as the primary legal interface to senior EU/UK business leadership and the global legal organization.
Partner with US Credit Legal leadership on cross-border matters and shared legal frameworks.
Strategic Program Leadership
Own legal strategy and execution for CCD II (EU Consumer Credit Directive II) implementation across all EU markets, coordinating multiple simultaneous workstreams.
Lead legal support for BNPL geo-expansion initiatives.
Provide strategic legal counsel on strategic partnerships.
Handle senior escalations on collections, debt sales, and credit risk matters.
Product & Regulatory Counsel
Provide clear, pragmatic, and solution-oriented legal advice on PayPal's EU and UK credit product portfolio.
Advise on and negotiate credit agreements, credit promotions, and partnerships with key financial institution and program partners.
Analyze new and evolving EU and UK credit, payments, and financial services regulations; advise on product structuring, choice of law, and regulatory compliance across jurisdictions.
Review and advise on marketing, product, compliance materials, and credit risk strategies for credit products across EU and UK markets.
Support regulatory exams, licensing matters, and interactions with EU and UK financial regulators.
Cross-Functional Collaboration
Partner with Credit Risk, Product, Marketing, Compliance, Privacy, Treasury, Tax, Finance, and Accounting stakeholders across PayPal's European and global organizations.
Manage and coordinate outside counsel relationships across EU and UK jurisdictions.
Subsidiary:
PayPal
Travel Percent:
0
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 https://careers.pypl.com/contact-us.
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 paypalglobaltalentacquisition@paypal.com.
Belonging at PayPal: