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 25 years of relevant experienceideally from investment banking, consulting, hedge funds, private equity, or loan originatorswho 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.
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 :
3+ years relevant experience and a Bachelor's degree OR any equivalent combination of education and experienceAdditional Responsibilities & Preferred Qualifications :
Support the execution of PayPal's asset backed structured products transactions, including structuring, cash flow modeling, and deal documentation.Perform in-depth portfolio analysis across PayPal's 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 :
25 years of relevant experience in structured finance, capital markets, credit risk, or related fields at a bank, consulting firm, hedge fund, private equity firm, or loan originator.Bachelor's degree in Finance, Economics, Accounting, Business, Mathematics, or related field.Solid understanding of structured finance products, particularly ABS, and familiarity with securitization structures, cash flow mechanics, and rating agency methodologies.Strong financial modeling and analytical skills, with proficiency in Excel and PowerPoint.Excellent organizational skills, attention to detail, and ability to manage multiple projects under tight timelines.Strong written and verbal communication skills for engaging cross-functional teams and external investors.Preferred Qualifications :
Experience directly supporting ABS structuring, warehouse financing facilities, or whole-loan transactions for consumer and / or merchant assets.Working knowledge of SQL, Python, or other data tools to manage and analyze large loan-level datasets.Demonstrated track record presenting complex analyses to senior executives and external stakeholders.Collaborative mindset, with proven ability to work effectively across teams and adapt in a fast-paced, entrepreneurial environment.Candidates must be authorized to work in the country where the position is located. Relocation assistance is not available for this role.
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.