Credit Risk Policy Analyst

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: What you need to know about the role: The Credit Policy Governance Analyst at PayPal will oversee the development and maintenance of product-specific credit policies and procedures, ensuring their accuracy and relevance. This role will involve coordinating with key stakeholders to communicate and obtain approval for any policy changes. Additionally, the Analyst will manage documentation for internal and external activities, such as multi-bank partnerships. Meet our team: Join the PayPal Global Credit Policy team and play a key role as a Credit Policy Governance Analyst, supporting the entire lifecycle of Credit Policy Change management. In this role, you will collaborate closely with the Business Risk & Control Lead (BRCL) team and Credit Risk Policy Owners to understand their strategies, goals, and key objectives.

Job Description:

In your day-to-day, you will:

• Develop and maintain documentation of underwriting, portfolio management, and fraud policies related to Consumer & Merchant Lending activities.
• Coordinate the review/approval process for new initiatives, procedures, or changes to existing documentation in collaboration with Business Risk & Internal Control teams.
• Ensure documents are drafted within the expectations of bank partners, legal department, compliance, and Snr. Management.
• Collaborate with Business Risk & Control Leads to ensure all components of the Credit Policy Governance Framework are engaged throughout the policy governance lifecycle.
• Maintain documentation repositories and report documentation approval status to senior management.
• Represent Credit Policy as the First Line of Defense (FLOD) for all product-specific testing, audit, and external exam-related engagements.
• Provide weekly and monthly reporting to the Credit team to include updates on initiatives throughout the approval process and any potential risks that may impact timelines.

What do you need to bring:

• 3 years of relevant work experience.
• Credit Risk Management Experience related to Consumer and Business Lending activities.
• Relationship Management experience within a compliance and consumer banking environment.
• Excellent written, organization, communication, presentation, and interpersonal skills.
• Strong analytical, problem-solving, and critical thinking skills are important.
• Proficient in MS Office

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 practice 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 U.S. national annual pay range for this role is $43400 to $111980

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.