Job Description: Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (NASDAQ:
PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal's 254 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.
Analyze bank statements and/or financial statements to assess merchant credit risk
Prepare and present initial & periodic credit reviews for new and existing merchants to the team and approvers
Work closely with the Sales and Account Management teams to collect additional merchant information and explain decision rationales if needed
Assist with bank partner related work and geographic market expansion
Update internal documentation on process updates, industry trends, and credit policies
Stay current on merchant industry trends specific to the businesses we support
Serve as the first line of defense against merchant fraud
1-2 years of credit analysis work experience related to merchant services underwriting and/or commercial lending preferred, college hires considered
Working knowledge of financial statements and financial statement analysis
Experience in preparing credit approval packages a plus, but not required
The ability to quickly form an opinion and communicate the thought process behind it verbally and in writing
An analytical team player who loves to evaluate degrees of financial riskA highly-curious individual who wants to get to the source of anything even the least bit fishy
An independent inspector and investigator, with the ability to utilize resources at hand to arrive at the answer, and ask meaningful questionsA do-er, someone who is obsessed with details and getting things right
An individual with strong organizational skills and comfort with managing multiple work streamsA strong collaborator with previous experience liaising between various departments and persons, and knows no task is beneath them
See Job Description Summary
We're a purpose-driven company whose beliefs are the foundation for how we conduct business every day. We hold ourselves to our One Team Behaviors which demand that we hold the highest ethical standards, to empower an open and diverse workplace, and strive to treat everyone who is touched by our business with dignity and respect.
Our employees challenge the status quo, ask questions, and find solutions. We want to break down barriers to financial empowerment. Join us as we change the way the world defines financial freedom.
PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities.