Analyst, Credit Underwriting

The Company

PayPal has been revolutionizing commerce globally for more than 25 years. Creating 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. 

We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.

We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards.  Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade. 

Our beliefs are the foundation for how we conduct business every day.  We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

Job Summary:

What you need to know about the role-

We are seeking a highly skilled and motivated 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 your teammates and other business stakeholders to ensure that risk to PayPal and its merchants are mitigated.

Job Description:

Your way to impact

As an Analyst in the Holistic Onboarding and Underwriting team, your work will directly contribute to protecting the integrity of PayPal’s ecosystem and enabling responsible growth. You'll play a pivotal role in identifying and mitigating risks tied to customer onboarding and underwriting, helping to uphold our commitment to compliance, trust, and security across markets.

Your day to day

In your day to day role you will...

• Conduct comprehensive reviews and risk assessments of new and existing customers during onboarding and underwriting.
• Analyze a wide range of data, including business models, credit scores, industry information and products to assess merchant financial health and potential risks to PayPal.
• Estimate potential financial exposures and determine the need for risk mitigation measures.
• Perform thorough analyses of high-risk customer segments and potential AML, financial crime and suspicious activities across multiple jurisdictions.
• Ensure compliance with Acceptable Use Policy, Know Your Customer (KYC) efforts and Customer Identification Program (CIP) requirements.
• Identify trends and potential risk factors in customer data, ensuring alignment with company policies and regulatory guidelines.
• Apply analytic techniques to complex information sets to make logical and supported recommendations.
• Develop a holistic view of both individual sellers and merchants across industries by proposing appropriate recommendations to mitigate PayPal’s risk and manage seller experience.
• Exercise good judgment in making decisions or recommendations related to case investigations.
• Document findings in narrative format within the case management system and prepare reports for management.
• Ensure high-quality reviews and maintain performance in the Quality Control Program.
• Communicate risk insights and recommendations professionally and effectively with cross-functional stakeholders.
• Evaluate and provide feedback on data, tools, processes and assessment methodologies for continuous improvement.
• Stay current on merchant industry trends that impact the Commercial Merchant Segment.    

What do you need to bring

• Bachelor’s degree in Finance, Economics, Business Administration, Accounting, or a comparable field, or equivalent work experience.
• 3+ years of professional experience in Commercial Lending, Commercial Underwriting, Credit Risk Assessment, Financial Statement Analysis.
• Relevant experience such as investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence.
• Proven ability to analyze large amounts of data to report critical information with a high attention to detail and create reports on critical information.
• Exceptional oral, written and interpersonal communication skills with the ability to communicate complex information accurately, clearly and quickly to all levels.
• Ability to work efficiently with an attention to detail in investigations, analysis and writing.
• Engage with peers, all levels of management, and other internal or external constituents to deliver comprehensive reviews and analysis.
• Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.
• Ability to directly communicate with internal and external stakeholders professionally and effectively.
• Proficient (both written and spoken) in English.
• High level of professionalism, self-motivation and sense of urgency.

Preferred Qualification:

Subsidiary:

PayPal

Travel Percent:

20

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 https://careers.pypl.com/contact-us.

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 https://www.paypalbenefits.com.

Who We Are:

Click Here 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 paypalglobaltalentacquisition@paypal.com.  

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 Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.