Manager, Structured Finance Portfolio Management

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:

Credit Portfolio Management sits at the intersection of PayPal’s on-balance sheet credit business and off-balance sheet asset externalization. Our mandate is to protect and optimize return on capital, liquidity, and reputation by managing balance sheet lending and capital markets trades across consumer and merchant lending. We ensure portfolios align with strategy, deliver target economics, and operate within a strong control framework. With Capital Markets, we manage relationships with investors, banks, advisers, and rating agencies.

As an asset-backed finance portfolio manager, you will own PayPal’s off-balance sheet credit portfolio globally. Externally, you’ll be the key interface for investors, banks, and rating agencies on collateral performance, valuation, and post-closing management. Internally, you’ll integrate data, market intelligence, and analytics to report profitability, financial impact, and performance trends to leadership.

Job Description:

Essential Responsibilities:

• Develop and articulate clear plans to optimize the credit portfolio and meet team performance
• Perform more-complex financial objectives highly specialized domain knowledge and advanced business expertise
• Lead some lending activities that align with it's financial objectives and may coordinate activities of others
• Design credit portfolios for long-term financial success understanding of business needs and industry trends
• Determine methods and procedures on new assignments that may impact activities of others

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Responsibilities

• Transaction Execution & Governance – Partner with Capital Markets to lead internally-facing activities related to new issuances, extensions and upsizes; coordinate due-diligence streams, first-/second-line approvals, documentation, and key governance activities
• Post-Execution Portfolio Management – Own weekly/monthly performance reporting, trigger monitoring and incident resolution to preserve balance-sheet resilience.
• Market Intelligence & Valuation – Monitor primary/secondary markets, agency reports, and sell-side color to value portfolios and advise on pricing, structure, and investor appetite.
• Process Scalability & Control – Design frameworks that ensure the future scalability of the capital ma