Counsel II, Capital Markets

Overview

The Legal, Compliance, and Public Affairs team supports growth and innovation by combining legal, compliance, and policy expertise to guide product development and build trust across the organization.

This role is for Counsel II, Capital Markets, within the Corporate Affairs function. The position supports efforts to build a diversified capitalization strategy and partners closely with the capital markets and bank partnerships business teams.

Responsibilities

• Support the capital markets team in building a network of capital sources and strategies, including capital markets international expansion.
• Support the bank partnerships team in building a network of originating and card issuing partner banks.
• Guide financing transactions and initiatives from a legal perspective, from strategy discussions through deal execution.
• Draft, review, and negotiate US and international capital markets deal documents, including:
  • Credit and security agreements
  • Loan sale agreements
  • Indentures
  • Officer certificates
  • Board and shareholder resolutions
  • Side letters
• Apply knowledge of lending and securities laws and regulations relevant to capital markets transactions.
• Communicate legal advice clearly, concisely, and in a timely manner.
• Provide assistance on other special projects as needed.

Requirements

• 5+ years of relevant law-firm experience, with preference for some additional in-house experience (particularly from a high-growth fintech start-up).
• JD degree from a well-regarded law school.
• Membership (in good standing) in a US state bar.
• Prior legal experience in structured and/or debt finance, including experience across some of the following:
  • Term, revolving, and asset-based lending
  • Warehouse and asset-backed financing
  • Loan sales
  • Securitizations
  • Creative forms of funding
• Strong integrity and work ethic.
• Excellent business judgment and interpersonal skills to facilitate negotiations with external and internal customers.
• Strong interpersonal and problem-solving skills; meticulous attention to detail; maturity; strong business sense; proactivity; excellent attitude.
• Proven experience as a key contributing member of a high-performing team.
• Self-motivation and willingness to take ownership of projects.
• Ability to work efficiently both solo and as part of a team.

Compensation & Benefits

Pay Grade: M
Equity Grade: 6

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness, and tech spending, and benefits including 100% subsidized medical coverage, plus dental and vision for you and your dependents.

USA base pay range (CA, WA, NY, NJ, CT) per year: $185,000 - $245,000
USA base pay range (all other U.S. states) per year: $164,000 - $224,000

Employees new to the organization typically come in at the start of the pay range.

Additional benefits highlights:

• Health coverage at no cost: 100% of premiums for employees and their dependents.
• Monthly spending stipends for tech setup and health/wellness options.
• Flexible time off and generous holiday calendars.
• Employee stock purchase plan (ESPP) to buy stock at a discount.

Location & Work Model

Remote-first with flexibility built in. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an office, and a few roles are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Additional Information

• Visa sponsorship is not available for this position.
• Inclusive interview process includes accommodations for candidates with disabilities.
• For positions based in San Francisco or Los Angeles: qualified applicants with arrest and conviction records are considered as required by law.