Description

: Leads all aspects of credit risk management for all domestic and international merchant lending credit products at PayPal, including acquisition credit policy (approve/decline, line assignment, etc.) and customer management (e.g., re-engagement, refinancing). Leads unit economics modeling for all merchant lending credit products at PayPal, leveraging a CLTV-based framework to optimize outcomes across the product lifecycle. Drives credit-driven marketing programs for merchant lending products, including deep engagement with marketing, pre-screen, and pre-approval campaigns. Partners with Business Unit, Data Science, Fraud, Second Line, Legal, Compliance, Marketing, Product, Engineering, Bank Partner, and other teams to optimize outcomes for PayPal and the customers of its merchant lending products by influencing outcomes in marketing programs, the application funnel, data and infrastructure, and machine learning modeling. Develops and maintains testing frameworks to ensure that sufficient data exists to optimize future decisions across the credit lifecycle. Maintains a robust reporting framework to ensure that emerging trends are quickly detected and actioned upon, and to ensure that leadership is aware of portfolio performance. Manages the portfolio within the return requirements and risk appetite of PayPal and our bank partners. Acts as the primary Credit Risk contact for the merchant lending portfolios within PayPal and with our partner bank. Develops and manages strong working relationships with internal and external partner teams. Is the key conduit for their products into product, Collections, and Fraud strategy (as appropriate). Leads and develops a strong, analytical team to create, manage and refine credit policy and strategy. Coaches, motivates, challenges, and provides managerial guidance to the team. Develops and executes training and development programs for the team. Demonstrates a clear strategic vision to the team. Solves problems and makes decisions with sound judgement. Provides continuous feedback and completes formal performance evaluations. Values team recognition, diversity and creates an inclusive environment to celebrate the accomplishments of individual team members as well as the overall team. Is the preeminent authority on their products and presents, defends, and adjusts (as needed and within established credit risk tolerance guidelines) strategies and recommendations for optimization to the chief credit officer along with key internal partners. Is confident in decision making and actively contributes to decisions even if tangential to Credit risk. Education & Qualifications: 15+ years of experience in credit risk management or a related quantitative discipline at either a fintech or a large bank 15+ years of experience leveraging large, complex data to drive business decisions. Experience with small business lending is required. 5+ years of management experience is required; 8+ years of management experience is preferred. Comprehensive knowledge of credit risk trends, unit economics, and first party and third-party fraud risks. Experience with analytical or data management tools (e.g. SAS, SQL, R, Tableau, Python, Excel, and PowerPoint) Demonstrated ability to synthesize, prioritize, and drive results with urgency Ability to obtain support and buy-in across a wide range of internal and external audience Experience leading teams to deliver high productivity output. Mentoring junior talent to improve the overall productivity of the team and individuals Bachelor’s degree in a quantitative or related field (e.g., Mathematics, Engineering, Data Science, Statistics, Economics, Finance, etc.) from an accredited college or university, preferred. Master's degree preferred This role will also require you to own and deliver on a roadmap to bring best in class credit and underwriting practices for PayPal’s merchant lending products worldwide and contribute to fulfill PayPal’s aspirations in gaining market share in this business. Looking for a high energy individual who can lead a team of credit analysts, managers, and directors, to accomplish PayPal’s growth goals in unsecured short- and long-term loans and make contributions at-scale. Subsidiary: PayPal Travel Percent: 10 - PayPal is committed to fair and equitable compensation practices. Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience. The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit . The US national annual pay range for this role is $209,000 to $359,150 PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit . 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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you. We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit . Who We Are: 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 . Belonging at PayPal: Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal. Any general requests for consideration of your skills, please . We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.