The CompanyPayPal 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 Description SummaryLead UK credit policy governance, partnering with Enterprise Credit, Compliance, and Legal to update policies, ensure regulatory compliance, and document changes aligned to local requirements. Monitor policy execution, log breaches and resolutions, and validate portfolio‑level credit risk appetite reviews. Conduct Credit Risk Assessments, Business Impact Analyses, and Business Continuity activities, and support internal and external audits. Contribute to UK credit risk appetite, KRIs, and oversight frameworks. Analyse business trends to inform decisions, embed risk in new products and change initiatives, oversee risk event reporting, and provide independent challenge to first‑line risk management to drive continuous improvement.Essential ResponsibilitiesIdentify issues and recommend best practices for risk management within the organization.Lead functional projects and programs that enhance risk assessment and mitigation efforts.Collaborate with teams to analyze business trends and their implications for risk management.Contribute to process improvements that enhance the effectiveness of risk management strategies.Provide guidance and support to team members in executing risk management initiatives.Minimum Qualifications5+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.Lead, UK Credit Policy & Risk Governance (SLOD)Lead PayPal UK credit policy SLOD governance, partnering with SLOD Enterprise Credit, Compliance, and Legal to maintain and enhance policies in line with regulatory and local market requirements.Oversee FLOD policy execution, including breach identification, resolution tracking, and validation of portfolio‑level credit risk appetite reviews.Conduct Credit Risk Assessments, Business Impact Analyses, and Business Continuity planning; support internal and external audits.Contribute to the development of PayPal UK credit risk appetite, Key Risk Indicators (KRIs), and governance frameworks.Analyse business trends to inform risk‑based decision‑making and embed robust risk practices into new products and change initiatives.Oversee risk event reporting and provide independent challenge to first‑line risk management to drive continuous improvement.Identify risk management gaps and recommend best practices to strengthen PayPal organisational controls.Lead cross‑functional initiatives to enhance risk assessment and mitigation capabilities.Support and guide teams in executing effective risk management strategies and process improvements.BenefitsWe 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 share options, health and life insurance and more.Commitment to Diversity and InclusionPayPal 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.Belonging at PayPalOur 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.
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