Sr Analyst, Credit Underwriting

PayPal•Chicago, IL

1d•Hybrid

About The Position

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. They operate a global, two-sided network connecting hundreds of millions of merchants and consumers, providing proprietary payment solutions and flexibility to use various funding sources. PayPal, Venmo, and Xoom products facilitate fund transfers. For merchants, they offer an end-to-end payments solution, including authorization, settlement, instant fund access, and risk management, while enabling cross-border trade. The company is guided by core values of Inclusion, Innovation, Collaboration, and Wellness. This Sr Analyst role involves independent collaboration to enhance credit processes and decision-making. The analyst evaluates credit risk, oversees team performance, and utilizes data analysis to track credit quality. They work outside defined processes to determine appropriate actions, ensuring the effectiveness of credit management strategies and contributing to the overall efficiency of the credit portfolio.

Requirements

3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
Minimum of 2 years’ professional experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence investigation or verifications, Credit Underwriting
Proven ability to analyze large amounts of data, including numerical data to report on critical information
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
Interacts with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition
High level of professionalism, self-motivation, and sense of urgency
Drive for Results
Problem Solving
Written Communications

Nice To Haves

A Bachelor’s degree in Finance, Legal, Criminal Justice or a comparable field, or equivalent work experience.

Responsibilities

Conduct timely assessments of merchant credit risk throughout the merchant life cycle
Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
Estimate financial exposure and recommend risk mitigation measures where necessary
Communicate risk insights and recommendations effectively with cross-functional stakeholders
Maintain accurate documentation and audit trails of underwriting assessments
Monitor portfolio segments and track seller performance to identify risks and opportunities
Stay current on industry trends and credit risk best practices to inform decision-making
Facilitate or participate in special assignments and projects to support business initiatives

Benefits

Comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most.
Flexible, balanced work culture
Holistic approach to benefits
Generous paid time off
Healthcare coverage for you and your family
Resources to create financial security
Support your mental health
Annual performance bonus
Equity
Other incentive compensation, as applicable