Sr Analyst, Credit Portfolio

Capital Markets Analyst - Asset Backed Structured Finance

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 : Capital Markets Analyst - Asset Backed Structured Finance

PayPal's Capital Markets team is newly established to support the company's funding strategies and market execution across its global loan portfolios in the US, Europe, Asia and Australia. We are seeking a Capital Markets Analyst with 2-5 years of relevant experience-ideally from investment banking, consulting, hedge funds, private equity, or loan originators-who will play a key role in structuring, analyzing, and executing asset backed structured products transactions for PayPal's global portfolio of BNPL, credit card and business loans. This is a unique opportunity to help build a growing function from the ground up, contribute to strategically important securitization programs, and interact with external investors and internal stakeholders on a global scale.

Job Description : Essential Responsibilities :

• Perform lending activities using specialized domain knowledge and developed business expertise
• Lead projects and / or programs within the Credit Portfolio team with moderate scope impacting the Finance function
• Track credit quality, identify trends and make informed decisions within general parameters under broad supervision
• May act as a subject matter resource for entry level and developing colleagues

Expected Qualifications :

Additional Responsibilities & Preferred Qualifications :

Support the execution of PayPals asset backed structured products transactions, including structuring, cash flow modeling, and deal documentation.

Perform in-depth portfolio analysis across PayPals consumer and merchant loan products to support funding strategy, risk assessment, and transaction readiness.

Assist with the preparation of offering memoranda, investor presentations, rating agency packages, and internal investment committee materials.

Develop and maintain tools, models, and dashboards to monitor loan-level performance, prepayment / charge-off dynamics, and transaction performance over time.

Coordinate with external stakeholders (banks, investors, rating agencies, counsel) to facilitate smooth transaction execution and ongoing surveillance.

Provide ongoing performance updates, collateral reporting, and analytical insights to internal teams and management to support decision-making.

Partner across treasury, risk, finance, accounting, and product teams to align capital markets activities with company objectives and market dynamics.

Stay abreast of ABS market developments, evolving investor preferences, and regulatory requirements to ensure best execution and compliance.

Minimum Qualifications :

Preferred Qualifications :

Work Authorization :

Candidates must be authorized to work in the country where the position is located. Relocation assistance is not available for this role.

Subsidiary : PayPal

Travel Percent : 10%

PayPal is committed to fair and equitable compensation practices. Actual compensation is based on various factors including but not limited to work location, and relevant skills and experience. The total compensation for this role may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https : / / www.paypalbenefits.com .

The US national annual pay range for this role is $94,000 to $156,200.

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. 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 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 :

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 paypalglobaltalentacquisition@paypal.com.

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