Sr Analyst, Credit Portfolio

PayPal • New York, NY

21d • Hybrid

About The Position

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: Capital Markets Analyst – Asset Backed Structured Finance Job Summary PayPal’s Capital Markets team is newly established to support the company’s funding strategies and market execution across its global loan portfolios in the US, Europe, Asia and Australia. We are seeking a Capital Markets Analyst with 2–5 years of relevant experience—ideally from investment banking, consulting, hedge funds, private equity, or loan originators—who will play a key role in structuring, analyzing, and executing asset backed structured products transactions for PayPal’s global portfolio of BNPL, credit card and business loans. This is a unique opportunity to help build a growing function from the ground up, contribute to strategically important securitization programs, and interact with external investors and internal stakeholders on a global scale.

Requirements

• 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
• 2–5 years of relevant experience in structured finance, capital markets, credit risk, or related fields at a bank, consulting firm, hedge fund, private equity firm, or loan originator.
• Bachelor’s degree in Finance, Economics, Accounting, Business, Mathematics, or related field.
• Solid understanding of structured finance products, particularly ABS, and familiarity with securitization structures, cash flow mechanics, and rating agency methodologies.
• Strong financial modeling and analytical skills, with proficiency in Intex, Excel and PowerPoint.
• Excellent organizational skills, attention to detail, and ability to manage multiple projects under tight timelines.
• Strong written and verbal communication skills for engaging cross-functional teams and external investors.

Nice To Haves

• Experience directly supporting ABS structuring, warehouse financing facilities, or whole-loan transactions for consumer and/or merchant assets.
• Working knowledge of SQL, Python, or other data tools to manage and analyze large loan-level datasets.
• Demonstrated track record presenting complex analyses to senior executives and external stakeholders.
• Collaborative mindset, with proven ability to work effectively across teams and adapt in a fast-paced, entrepreneurial environment.

Responsibilities

• Support the execution of PayPal’s asset backed structured products transactions, including structuring, cash flow modeling, and deal documentation.
• Perform in-depth portfolio analysis across PayPal’s consumer and merchant loan products to support funding strategy, risk assessment, and transaction readiness.
• Assist with the preparation of offering memoranda, investor presentations, rating agency packages, and internal investment committee materials.
• Develop and maintain tools, models, and dashboards to monitor loan-level performance, prepayment/charge-off dynamics, and transaction performance over time.
• Coordinate with external stakeholders (banks, investors, rating agencies, counsel) to facilitate smooth transaction execution and ongoing surveillance.
• Provide ongoing performance updates, collateral reporting, and analytical insights to internal teams and management to support decision-making.
• Partner across treasury, risk, finance, accounting, and product teams to align capital markets activities with company objectives and market dynamics.
• Stay abreast of ABS market developments, evolving investor preferences, and regulatory requirements to ensure best execution and compliance.

Benefits

• This role is also eligible for a range of benefits which may include, medical, dental, vision, life and disability insurance, parental and family leave, 401(k) savings plan, paid time off, and other benefits.
• For more information visit https://www.paypalbenefits.com.
• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees