PayPal
Overview
Sr Analyst, Credit Underwriting at PayPal. This 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. Job Description
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 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 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. The role requires strong analytical skills, industry knowledge, and the ability to work cross-functionally with multiple stakeholders. Meet our team: You will join PayPal’s Holistic Onboarding and Underwriting Americas team. You will partner with teammates and other business stakeholders to ensure that risk to PayPal and its merchants are mitigated. Compensation and Benefits PayPal is committed to fair and equitable compensation practices. Actual compensation is based on factors including location, skills, and experience. The total compensation for this position may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com. The U.S. national annual pay range for this role is $84,500 to $127,600. 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 recruitment fraud, please visit https://careers.pypl.com/contact-us. For many employees, PayPal’s balanced hybrid work model offers 3 days in the office and 2 days remote. This provides the benefits and conveniences of both locations. Our Benefits PayPal offers a flexible work environment, employee stock options, health and life insurance, and more. To learn more about our benefits visit https://www.paypalbenefits.com. EEO and Belonging PayPal provides equal employment opportunity to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, gender, sexual orientation, gender identity, or any other characteristic protected by law. Reasonable accommodations are provided. For accessibility assistance, contact paypalglobaltalentacquisition@paypal.com. Belonging at PayPal means creating a workplace where everyone feels included and valued. We are committed to cultivating inclusivity and belonging across our global teams. Additional information REQ ID R0131711
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Sr Analyst, Credit Underwriting at PayPal. This 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. Job Description
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 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 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. The role requires strong analytical skills, industry knowledge, and the ability to work cross-functionally with multiple stakeholders. Meet our team: You will join PayPal’s Holistic Onboarding and Underwriting Americas team. You will partner with teammates and other business stakeholders to ensure that risk to PayPal and its merchants are mitigated. Compensation and Benefits PayPal is committed to fair and equitable compensation practices. Actual compensation is based on factors including location, skills, and experience. The total compensation for this position may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com. The U.S. national annual pay range for this role is $84,500 to $127,600. 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 recruitment fraud, please visit https://careers.pypl.com/contact-us. For many employees, PayPal’s balanced hybrid work model offers 3 days in the office and 2 days remote. This provides the benefits and conveniences of both locations. Our Benefits PayPal offers a flexible work environment, employee stock options, health and life insurance, and more. To learn more about our benefits visit https://www.paypalbenefits.com. EEO and Belonging PayPal provides equal employment opportunity to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, gender, sexual orientation, gender identity, or any other characteristic protected by law. Reasonable accommodations are provided. For accessibility assistance, contact paypalglobaltalentacquisition@paypal.com. Belonging at PayPal means creating a workplace where everyone feels included and valued. We are committed to cultivating inclusivity and belonging across our global teams. Additional information REQ ID R0131711
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