Sr Analyst, Financial Planning & Analysis

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:

The FP&A Analyst will support Transaction Loss FP&A activities such as building budgets and forecasts, maintaining reserve adequacy models and providing transparency on transaction losses trends at product/segment/region level. The role will also require close collaboration with the Risk organization and Business units to gather inputs, summarize insights and produce executive level presentations. Key focus will be to drive optimal decision-making through financial modelling and quantitative analysis. Innovation and automation of existing models will be also a critical focus area for the candidate.

A successful candidate will be highly analytical and capable of interpreting trends. You should have excellent business and communication skills to be able to present and work with the wider FP&A team and business owners.


The FP&A Analyst will report into the Transaction Loss FP&A Lead and will be based in San Jose but with colleagues and stakeholders across multiple time zones.

Job Description:

Essential Responsibilities:

• Support planning and forecasting processes
• Review business performance on regular cadences (weekly, monthly, quarterly)Collaborate with stakeholders to gather inputs and summarize insights
• Produce executive-level presentations
• Work closely with the finance and technical teams to drive process and system improvements
• Facilitate discussions with various stakeholders, manage expectations, and collaborate cross-functionally
• Consult with finance leads to review and discuss key issues, risks, and dependencies for assigned initiatives
• Document and escalate potential risks/issues, assist in developing mitigation strategies, and support their implementation

Minimum Qualifications:

• 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications:

Key responsibilities of this role are:

• Support planning and forecasting for PayPal Transaction Loss and work with Risk & BI teams to produce weekly, monthly and quarterly reports, review quarterly forecasts and annual budgets across products/segments/regions.
• Play a key role during the month-end and quarter-end close cycles.
• Help maintain the Forecast Reserve Adequacy Model (FRAMe) for PayPal and its main cross-properties, ensuring appropriate reserve levels and adherence to audit/contr