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:

This job engages with team members to contribute to credit portfolio solutions and efficiencies. They assist in monitoring credit risks and follow established processes to support management efforts. This role encourages participation in data collection and analysis, fostering collaboration to suggest improvements and enhance performance within the credit portfolio.

Job Description:

Essential Responsibilities:

• Perform portions of risk assessments and credit worthiness requiring financial knowledge and developing business expertise
• Support and may lead regulatory projects of limited scope impacting PayPal's compliance standards
• Analyze and risk mitigation recommendations within limited parameters under regular supervision
• Receive regular and general instruction and guidance from more experienced colleagues on work in the form of specific objectives

Minimum Qualifications:

• Minimum of 2 years of relevant work experience and a Bachelor's degree or equivalent experience.

Preferred Qualification:

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 ind