Sr Analyst, Credit Underwriting

PayPal•New York, NY

3d•$84,500 - $134,200•Hybrid

About The Position

This job 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 while 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

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

At PayPal, we’re committed to building an equitable and inclusive global economy.
That’s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most.
We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

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