Job Description Summary: PayPal Commercial Underwriting has an exciting opportunity to join a new division within PayPal Seller Risk Underwriting. The ideal candidate must have strong business acumen and strong financial assessment skills, exemplary written and oral communication and collaboration skills.
Job Description:
Core Responsibilities
Analyse a wide range of data including financial statements, business models, credit scores, external and internal processing data, bank statements, peer comparisons, etc. to assess credit worthiness and develop a view of merchant financial health and any risk to PayPal’s operations
Work with senior leadership to build a risk management strategy and framework to minimize the financial losses of PayPal for a diverse range of industries, including High Risk and/or Early Life Cycle Start-Ups
Estimate financial exposure to PayPal and assess the need for and extent of risk mitigation measures
Assess PayPal acceptable use cases, regulatory and credit card compliance, and legal considerations with respect to a seller or industry
Develop a holistic view on individual sellers and across industries, proposing appropriate recommendations to mitigate PayPal’s risk and manage seller experience
Communicate professionally and effectively with cross-functional stakeholders on risk insights and recommendations
Maintain accurate and thorough documentation and audit trails of underwriting assessments, reports, methodologies, etc. in a timely manner
Evaluate and share feedback on data, tools, process and assessment methodologies for continuous improvement, aiding to develop and test solutions where suitable
Remain current on merchant industry trends that impact the Seller Risk Commercial
Merchant segment
Review department work and provide signoff for decisions within authority level
Address executive level escalations in complex situations and high exposure cases
as necessary
Facilitate or participate in special assignments or projects as necessary
Required Skills
Strong analytical skillset – must be able to analyse complex data, draw meaningful conclusions and make holistic business recommendations
Ability to approach problems in a quantitative and qualitative manner
Be highly curious and thoughtful – a proactive self-starter with a sense of urgency and bias for action in a fast-paced environment
Strong collaboration skills and the ability to build rapport with members of other departments
Strong working knowledge of external systems, PC based internet and software applications (Internet, Microsoft Office – Outlook, Word, Excel)
Ability to manage internal projects independently
Experience
10+ years’ of relevant experience in commercial underwriting
High Risk Industries and/or Early Life-Cycle Startups
Multinational, cross border corporations
Financial statement analysis, modelling, forecasting and valuation
Preparing financial reviews, interpreting financial performance and assessing credit exposure
Merchant risk review and investigation
Beneficial to have experience in merchant processing industry, particularly focused on risk and operational processes
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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.
We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com
Who We Are:
To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx
PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit paypal.com.
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].
As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.
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