Credit Underwriting Analyst 2

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives.

Job Description Summary: PayPal Commercial Underwriting is seeking a new Senior Underwriter analyst to join the NA Underwriting team. The ideal candidate must have strong business acumen and strong financial assessment skills and must have exemplary written and oral communication and collaboration skills. The ability to exercise sound judgment and be resourceful is imperative to success as an Underwriting Analyst.

Job Description:

Core Duties

• Timely assessments of merchant credit risk over the merchant life cycle.
• Analyze financial and bank statements to assess credit worthiness and
  develop a view of merchant financial health and any risk to PayPal’s
  operations.
• Analyze a wide range of data - business models, credit scores, external &
  internal processing data, bank statements peer comparisons, etc. to develop
  a view on a seller’s risk profile & PayPal relationship.
• Estimate financial exposures to PayPal and assess the need for and extent of
  risk mitigation measures.
• Where necessary, assess PayPal acceptable use cases, regulatory & credit
  card compliance, and legal considerations with respect to a seller or industry.
• Develop a holistic view on both 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.
• Monitor seller performance across portfolio segments, as needed
  Evaluate and share feedback on data, tools, process and assessment
  methodologies for continuous improvement, aiding to develop & test
  solutions where suitable other opportunities & projects relevant to managing the financial risk of PayPal’s sellers.
• Stay current on merchant industry trends that impact the Commercial
  Merchant segment Mentor and coach teammates and peers in work quality, deliver quality
  assessments, and help develop skills.
• Review teammates work and provide signoff for decisions within authority level.
• Handle executive escalations for complex situations and high exposure cases
  as necessary
• Assist and coach teammates on merchant communication and calls, providing
  leadership support and guidance.
• Facilitate or participate in special assignments or projects as needed and
  delegating efforts to teammates where applicable.
  
  Required Skills
• Strong analytical skill - must be able to analyze complex data, draw meaningful conclusion, and make holistic business recommendations
• Ability to approach problems in a quantitative and qualitative manner
• Be comfortable with complex data and analytics to draw meaningful insights
• Excellent organizational, communication, and interpersonal skills
• 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).
• Familiarity with merchant processing industry, particularly risk and operational processes
• Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, in a fast-paced environment
• Must be fluent in English.
• Leadership skills for guiding, supporting, coaching, and mentoring peers
  
  Experience
• 3+ years of relevant experience, in commercial lending, underwriting or
  credit risk assessment with experience in financial statement analysis,
  financial modelling, forecasting and valuation.
• Experience in Credit underwriting, banking and management consulting profiles are preferred.
• Experience in financial statement analysis, modelling, forecasting and
  valuation
• Experience preparing financial reviews, interpreting financial performance
  and assessing credit exposure.
• Experience in merchant risk review, and investigation.

Our world-class culture is something we’re proud of. We’re committed to creating a thriving and inclusive workplace with great benefits including:

• Excellent medical and dental benefits that start day one.
• Competitive salary.
• 401k match and employee stock purchase plan.
• Generous PTO and sick time policies.
• Ongoing training, tuition reimbursement and support to help you realize your full career potential.
• Give back to local communities through our many fundraising and volunteer opportunities.
• PayPal’s sabbatical program provides four weeks of paid time off after every five years of service.
• Active social groups, onsite events, onsite gym, cafe, games and arcade rooms, relaxation zones and so much more!

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 paypalglobaltalentacquisition@paypal.com.

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.