Job Summary
This role leads BNPL risk strategy governance, reviewing and approving proposals across credit, fraud, and collections to ensure alignment with PayPal's risk appetite.
It also owns the creation and maintenance of credit and collections policies, ensuring documentation is clear, consistent, and compliant.
Your way to impact
You will strengthen BNPL governance by reviewing, approving, and monitoring risk strategies in line with risk appetite and regulations.
You'll partner with Strategy, Legal, Compliance, and SLOD teams to enhance policies, improve controls, and ensure audit-ready documentation.
Essential Responsibilities
Identify issues and recommend best practices for internal control processes.
Lead functional projects and programs to enhance internal control effectiveness.
Partner with teams to analyze business trends and their impact on internal controls.
Develop and implement strategies for process improvements within the internal controls function.
Ensure compliance with laws and regulations through effective internal control measures.
Minimum Qualifications
5+ years relevant experience and a Bachelor's degree OR any equivalent combination of education and experience.
Additional Responsibilities & Preferred Qualifications
Lead the development and maintenance of credit and collections policies, procedures, and governance artifacts, ensuring alignment with regulatory requirements and internal frameworks.
Coordinate end-to-end governance reviews for strategy proposals, facilitating stakeholder discussions and securing approvals through appropriate forums.
Partner with Strategy, Risk, Legal, and Compliance teams to assess risk alignment, identify mitigation actions, and ensure adherence to PayPal's risk appetite.
Monitor strategy performance post-implementation, providing insights, tracking risks, and driving updates to policies, controls, and documentation.
Support audit and governance activities by maintaining accurate documentation, responding to audit requests, and implementing control enhancements.
What do you need to bring
6–8 years of experience in governance, risk management, or regulatory compliance within financial services, preferably in credit or lending products.
Strong understanding of regulatory requirements, risk frameworks, and internal control processes, with the ability to identify gaps and drive improvements.
Proven experience in policy development, documentation, and governance of strategy proposals across cross-functional teams.
Excellent analytical, problem-solving, and communication skills, with the ability to influence stakeholders and drive risk-aware decision-making.
Ability to manage multiple priorities in a fast-paced environment, with strong attention to detail and experience supporting audits and control reviews.
Equal Employment Opportunity Statement
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 ******.
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