Counsel II, Capital Markets

Overview

The Legal, Compliance, and Public Affairs team combines legal, compliance, and policy expertise to guide growth, shape products, and build trust across the organization. The team supports consumers, merchants, and key partners through legal strategy and risk-focused execution.

This role is part of the Corporate Affairs function and supports broad-based efforts to build a diversified capitalization strategy.

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 to 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.
• Assist with other special projects as needed.

Requirements

• 5+ years of relevant law-firm experience; some additional in-house experience is preferred (particularly from a high-growth fintech start-up).
• JD degree from a well-regarded law school and membership (in good standing) in a US state bar.
• Prior legal experience in structured and/or debt finance, including:
  • Term, revolving, and asset-based lending
  • Warehouse and asset-backed financing
  • Loan sales
  • Securitizations
  • Creative forms of funding
• Outstanding integrity and work ethic.
• Excellent business judgment and interpersonal skills to facilitate negotiations with external and internal stakeholders.
• Strong interpersonal and problem-solving skills, meticulous attention to detail, maturity, strong business judgment, proactivity, and a positive 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 independently and as part of a team.

Preferred Qualifications

• Some additional in-house experience (particularly if from a high-growth fintech start-up).

Compensation & Benefits

• Pay Grade: M
• Equity Grade: 6
• Employees new to the organization typically come in at the start of the pay range.

Base pay (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, 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

Location

• 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; a few are office-based.
• All new hires will be invited to attend an in-person onboarding experience.

Visa sponsorship is not available for this position.

For positions based in San Francisco or Los Angeles: the organization considers qualified applicants with arrest and conviction records, as required by law.