Job Summary
This job 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.
Job Description
Essential Responsibilities:
Conduct timely assessments of merchant credit risk throughout the merchant lifecycle.
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.
Minimum Qualifications:
3+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.
Benefits
We offer comprehensive, choice‑based programs to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. This includes generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.
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.
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