Analyst, Credit Underwriting

**The Company**

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.

We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.

We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.

Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do - and they push us to ensure we take care of ourselves, each other, and our communities.

**Job Summary**:
This job engages with team members to contribute to credit portfolio solutions and efficiencies. They assist in monitoring credit risks and follow established processes to support management efforts. This role encourages participation in data collection and analysis, fostering collaboration to suggest improvements and enhance performance within the credit portfolio.

**Essential Responsibilities**:

- Perform portions of risk assessments and credit worthiness requiring financial knowledge and developing business expertise
- Support and may lead regulatory projects of limited scope impacting PayPal's compliance standards
- Analyze and risk mitigation recommendations within limited parameters under regular supervision
- Receive regular and general instruction and guidance from more experienced colleagues on work in the form of specific objectives

**Minimum Qualifications**:

- Minimum of 2 years of relevant work experience and a Bachelor's degree or equivalent experience.

**Preferred Qualification**:

- A Bachelor’s degree in Finance, Economics, Legal, Criminal Justice, Business Administration, Accounting, or a comparable field, or equivalent work experience.
- Minimum 2+ years of relevant experience such as credit risk assessment, financial statement analysis, financial modeling, forecasting, valuation, or investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence.
- Proven ability to analyze large amounts of data to report critical information (data analytics).
- Exceptional oral, written, and interpersonal communication skills with the ability to communicate complex information accurately, clearly, and quickly to all levels.
- Ability to work efficiently with an attention to detail in investigations, analysis, and writing.
- Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.
- Ability to directly communicate with internal and external stakeholders professionally and effectively.
- Proficient (both written and spoken) in English and Japanese.
- Knowledge of SQL is required.
- High level of professionalism, self-motivation, and sense of urgency.

**Additional Qualities**:

- Strong organizational skills and the ability to manage multiple priorities in a fast-paced environment.
- Proactive and innovative mindset to drive process improvements and efficiency.
- Strong business acumen with an ability to understand and balance risk and business needs.
- Adaptability to evolving industry and regulatory requirements.
- Collaborative team player with excellent interpersonal skills.
- Effective written communication skills for documentation and reporting.
- Drive for results with a focus on achieving business goals.
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