Senior Financial Analyst

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 Description Summary:

PayPal provides Credit solutions globally to both Consumer and Business Customers. The Credit Finance team plays a pivotal role in analyzing, understanding, and driving business results. We are looking for a highly motivated Financial Analyst to join our Merchant Lending team. In this role, you will work closely with the Credit Risk, Operations, Analytics, Marketing, and Accounting teams to translate business strategies into expected financial performance.

Job Description:

Job Description:

The Financial Analyst will support the financial planning process, which includes near term forecasting, annual planning, strategic planning, and global expansion initiatives.  The position will support the analysis and modeling of the merchant lending portfolios, developing forecast assumptions through data analysis, perform profitability analysis of key segments, and assess strategic and tactical initiatives.  This person will have the opportunity to collaborate with and support multiple functional areas across the business to project and deliver results, while influencing business strategies.

Specific responsibilities include:

•    Assist with developing the near-term and long-term business planning assumptions and pro forma financial statements
•    Provide insights and input into the annual plans and quarterly forecasts for loan volume, revenue, losses/reserves, and operating expenses
•    Research and review portfolio activity to measure and map asset performance.  Identify trends to support forecast assumptions, model inputs, and perform attribution analysis
•    Provide meaningful daily, weekly, monthly analysis of trends vs. expectations. 
•    Partner with Marketing team to develop marketing channel P&Ls to support management initiatives, incremental spend opportunities, and facilitate decision-making
•    Maintain, update, and enhance financial operating models
•    Provide accurate and thorough reporting and explanations of results to business leaders

•    Partner with Credit Finance team members to envision, define, and drive opportunities for technology and process improvements

Capabilities - Applicants should have the following capabilities:

•    Strong data analysis skills, but also synthesize the big picture by identifying connections and relationships in data
•    Takes pride in having an impact across the organization by providing thoughtful, objective, and unbiased financial analysis and feedback on business strategy, product, and operations
•    Takes ownership of tasks and problems, com