Counsel II, Capital Markets

Overview

This role is within the Legal, Compliance, and Public Affairs team, supporting the organization as it scales, innovates, and delivers products for consumers, merchants, and key partners. The work blends legal, compliance, and policy expertise to guide growth, shape products, and build trust.

The Legal team is seeking a Counsel II, Capital Markets to support efforts to build a diversified capitalization strategy. The position reports to the Director, Capital Markets Counsel and works closely with capital markets and bank partnerships business teams.

Responsibilities

• Support the capital markets team in building and expanding the network of capital sources and strategies, including capital markets international expansion
• Support the bank partnerships team in building and expanding the 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 U.S. 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; additional in-house experience is preferred (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 (as applicable):
  • 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 problem-solving skills and meticulous attention to detail
• Demonstrated maturity, proactivity, and a positive attitude
• Proven ability to contribute as a key 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 in-house experience is preferred, particularly from a high-growth fintech start-up

Compensation & Benefits

• Pay grade: M
• Equity grade: 6
• New hires typically start at the beginning of the pay range.

Base pay ranges (per year):

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

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
• Dental and vision for you and your dependents
• Spending stipends (monthly)
• Flexible time off and generous holiday calendars
• Employee stock purchase plan (ESPP), allowing purchase of company stock at a discount

Visa sponsorship: not available for this position.

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, while a few are office-based.

All new hires will be invited to attend an in-person onboarding experience.

For positions based in San Francisco or Los Angeles: qualified applicants with arrest and conviction records are considered as required by law.

Additional Information

An inclusive interview process is provided, including accommodations for candidates with disabilities.