Sr 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:

Job Description:

Essential Responsibilities:

• Conduct timely assessments of merchant credit risk throughout the merchant life cycle
• Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
• Estimate financial exposure and recommend risk mitigation measures where necessary
• Communicate risk insights and recommendations effectively with cross-functional stakeholders
• Maintain accurate documentation and audit trails of underwriting assessments
• Monitor portfolio segments and track seller performance to identify risks and opportunities
• Stay current on industry trends and credit risk best practices to inform decision-making
• Facilitate or participate in special assignments and projects to support business initiatives

Minimum Qualifications:

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

The role 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.
• Exercise good judgment in making decisions or recommendations related to case investigations.
• Document findings in narrative format within the case management system and prepare reports for management.
• Ensure high-quality reviews and maintain performance in the Quality Control Program.
• Communicate risk insights and recommendations professionally and effectively with cross-functional stakeholders.
• Evaluate and provide feedback on data, tools, processes, and assessment methodologies for continuous improvement.
• Support reviews conducted in different languages including Japanese.

Requirements:

• A Bachelor’s degree in Finance, Economics, Legal, Criminal Justice, Business Administration, Accounting, or a comparable field, or equivalent work experience.
• Minimum 3+ years of relevant experience such as credit risk assessment, financial statement analysis, financial modeling, forecasting, valuation, or investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence.
• Proven ability to analyze large amounts of data to report critical information.
• Exceptional oral, written, and interpersonal communication skills with the ability to communicate complex information accurately, clearly, and quickly to all levels.
• Ability to work efficiently with an attention to detail in investigations, analysis, and writing.
• Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.
• Ability to directly communicate with internal and external stakeholders professionally and effectively.
• Role supports multiple markets across APAC, proficiency (written and spoken) in English and, Mandarin or Japanese or Korean preferred
• Knowledge of SQL is preferred.
• High level of professionalism, self-motivation, and sense of urgency.

Additional Qualities:

• Strong organizational skills and the ability to manage multiple priorities in a fast-paced environment.
• Proactive and innovative mindset to drive process improvements and efficiency.
• Strong business acumen with an ability to understand and balance risk and business needs.
• Adaptability to evolving industry and regulatory requirements.
• Collaborative team player with excellent interpersonal skills.
• Effective written communication skills for documentation and reporting.
• Drive for results with a focus on achieving business goals.
• Strong problem-solving abilities with analytical thinking.
• Ability to work independently and take ownership of work

Subsidiary:

Travel Percent:

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes.  Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately.  To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact-us. 

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits:

At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset-you. That’s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

Who We Are:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion 

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 [email protected].  

Belonging at PayPal: 

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.