PayPal
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PayPal has been revolutionizing commerce globally for more than 25 years. We create 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, connecting hundreds of millions of merchants and consumers through our global, two-sided network.
Job Description Summary
This Senior Analyst, Credit Underwriting role involves independent collaboration to enhance credit processes and decision‑making. The analyst evaluates credit risk, oversees team performance, and utilizes data analysis to track credit quality. They work outside defined processes to determine appropriate actions, ensuring the effectiveness of credit management strategies while contributing to the overall efficiency of the credit portfolio. Essential Responsibilities
Conduct timely assessments of merchant credit risk throughout the merchant life cycle Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health Estimate financial exposure and recommend risk mitigation measures where necessary Communicate risk insights and recommendations effectively with cross‑functional stakeholders Maintain accurate documentation and audit trails of underwriting assessments Monitor portfolio segments and track seller performance to identify risks and opportunities Stay current on industry trends and credit risk best practices to inform decision‑making Facilitate or participate in special assignments and projects to support business initiatives Expected Qualifications
3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities And Preferred Qualifications
We are seeking a highly skilled and motivated Senior Analyst, Credit Underwriting to join our Holistic Onboarding and Underwriting team. The ideal candidate will play a key role in enhancing and streamlining customer onboarding and underwriting processes while ensuring compliance with regulatory requirements. Strong analytical skills, industry knowledge, and the ability to work cross‑functionally with multiple stakeholders are essential. 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.
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This Senior Analyst, Credit Underwriting role involves independent collaboration to enhance credit processes and decision‑making. The analyst evaluates credit risk, oversees team performance, and utilizes data analysis to track credit quality. They work outside defined processes to determine appropriate actions, ensuring the effectiveness of credit management strategies while contributing to the overall efficiency of the credit portfolio. Essential Responsibilities
Conduct timely assessments of merchant credit risk throughout the merchant life cycle Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health Estimate financial exposure and recommend risk mitigation measures where necessary Communicate risk insights and recommendations effectively with cross‑functional stakeholders Maintain accurate documentation and audit trails of underwriting assessments Monitor portfolio segments and track seller performance to identify risks and opportunities Stay current on industry trends and credit risk best practices to inform decision‑making Facilitate or participate in special assignments and projects to support business initiatives Expected Qualifications
3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities And Preferred Qualifications
We are seeking a highly skilled and motivated Senior Analyst, Credit Underwriting to join our Holistic Onboarding and Underwriting team. The ideal candidate will play a key role in enhancing and streamlining customer onboarding and underwriting processes while ensuring compliance with regulatory requirements. Strong analytical skills, industry knowledge, and the ability to work cross‑functionally with multiple stakeholders are essential. 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.
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