Credit Underwriter

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**:
**What does the role entail?**
- Communicate, chase, follow up with merchant and validate financial documents.
- Estimate financial exposures to PayPal from sellers, using reasonable assumptions, and assess the need for and extent of risk mitigation measures.
- Analyze and interpret financial statements, developing a view of the merchants’ financial health and its implications to PayPal’s risk and seller relationships.
- Analyze and interpret merchant & industry business models, credit reports, merchant processing history, internal PayPal data, background investigations, bank and trade references, etc. developing a view on their impact to PayPal risk and seller relationships.
- Conduct merchant assessments in view of PayPal Acceptable Uses, Federal and State Regulatory Compliance, Credit Card Compliance and Legal Considerations.
- Develop a holistic point of view on assessed merchants, proposing appropriate recommendations for mitigating PayPal’s risk and managing seller experience.
- Develop insights on merchants, sectors and markets based on assessments, peer analyses, etc.
- Clearly articulate the recommendations and assessment drivers to stakeholders as needed (ex: risk management teams, business units, PayPal merchants, etc.). Communicate professionally and effectively with cross-functional stakeholders throughout.
- 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
- Ensure appropriate escalation to, and follow up with, internal departments and management on issues that may arise.
- Provide feedback on data, tools and assessments for continuous improvement, along with on-going development of policies, products, tools, and procedures for process enhancement.
- Other opportunities & projects relevant to managing the financial risk of PayPal’s sellers.

**Skills: You would possess -**
- Have a college degree and/or professional qualification in Finance, Accounting, Business Administration or related fields, or equivalent work experience
- Have 2+ years of relevant experience, in underwriting or credit risk assessment
- Be experienced in financial statement analysis, financial modeling and/or valuation
- Be comfortable with complex data and analytics to draw meaningful insights
- Be a team player, with strong interpersonal & communication skills, both written and verbal
- Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, un a fast-paced environment
- Be familiar with MS Office, Salesforce, internet research & database tools. SQL is a plus, but not essential.
- Have intermediate knowledge of any of the following languages German/ French/ Italian/ Spanish/ Japanese/ Chinese/ Koran is a big plus

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.

Who We Are:
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.