Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (NASDAQ : PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy.
Our open digital payments platform gives PayPal’s 305 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person.
Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying or getting paid.
Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.
Provide insights so leadership on book quality and provide recommendation on risk and opportunities
Explore data sources internal and external to PayPal and evaluate their potential contribution to the credit underwriting process.
Interact with operations teams to provide input in impact of credit strategies on customer communication and collections efforts.
Interact with compliance and legal teams to confirm the credit strategies are compliant with applicable regulatory guideline
Proven experience in credit and fraud risk management is a must, along with in-depth market knowledge of credit performance, data providers, credit and behavioral scoring and industry best practices.
Minimum 2 years experience in credit and / or Fraud risk management and underwriting in consumer credit products (e.g. Credit cards, installment loans or other revolving credit products).
Strong written, oral, and interpersonal skills a must including the ability to explain / present technical business flows.
Experience with credit bureaus and other sources of consumer data
Experience with analytics and data mining tools, such as SQL, SAS, SPSS, KnowledgeSeeker
Proven ability to influence, work collaboratively, build and maintain relationships throughout the organization
Must have good judgment with the demonstrated ability to think creatively and strategically
Bachelors or Masters degree in a related field