Sr Analyst, Credit Underwriting

Senior Analyst, Credit Underwriting

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.

This job involves independent collaboration to enhance credit processes and decision-making. The analyst evaluates credit risk, oversees team performance, and utilizes data analysis to track credit quality. They work outside defined processes to determine appropriate actions, ensuring the effectiveness of credit management strategies while contributing to the overall efficiency of the credit portfolio.

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

Expected Qualifications :

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 position may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits.