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Sr Commercial Underwriter in Chandler at PayPal

Date Posted: 9/17/2020

Job Snapshot

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 305 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.

PayPal is the leading global online payment service built for the digital age. We now have over 300 million active customers around the world and handle almost a fifth of the world’s online payments. And we’re delivering the future of money – today. You can use PayPal anytime, anywhere, any way. PayPal continues to drive connected commerce across all channels - online, mobile and in-store. In Q4 2019 PayPal’s net payment volume was ~$200BN representing year on year growth of 22%. We are constantly innovating and creating experiences our customers love. The Global Commercial Seller Risk team is responsible globally for the end to end management of seller risk for Large sellers. These sellers process > $500 000 in payments per year with PayPal and comprise ~ 60% of our global processing volume. Understanding and closely managing the credit (insolvency) risks associated with these sellers is critical to our management of the portfolio. The credit risk arises as PayPal offers a type of guarantee to buyers for undelivered goods and services and if the seller becomes insolvent, PayPal bears the financial liability. Job description PayPal Commercial Underwriting is seeking a new Senior Underwriter analyst to join the NA Underwriting team based out of Chandler Arizona. The ideal candidate must have strong business acumen and strong financial assessment skills and must have exemplary written and oral communication and collaboration skills. The ability to exercise sound judgment and be resourceful is imperative to success as a Commercial Senior Underwriting Analyst.

Core Duties

  • Timely assessments of merchant credit risk over the merchant life cycle.
  • Analyze financial and bank statements to assess credit worthiness and develop a view of merchant financial health and any risk to PayPal’s operations.
  • Analyse a wide range of data - business models, credit scores, external & internal processing data, bank statements peer comparisons, etc. to develop a view on a seller’s risk profile & PayPal relationship.
  • Estimate financial exposures to PayPal and assess the need for and extent of risk mitigation measures. 
  • Where necessary, assess PayPal acceptable use cases, regulatory & credit card compliance, and legal considerations with respect to a seller or industry.
  • Develop a holistic view on both individual sellers and across industries, proposing appropriate recommendations to mitigate PayPal’s risk and manage seller experience.
  • Communicate professionally and effectively with cross-functional stakeholders on risk insights and recommendations. 
  • 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
  • Evaluate and share feedback on data, tools, process and assessment methodologies for continuous improvement, aiding to develop & test solutions where suitable.
  • Other opportunities & projects relevant to managing the financial risk of PayPal’s sellers
  • Stay current on merchant industry trends that impact the Commercial Merchant segment
  • Mentor and coach teammates and peers in work quality, deliver quality assessments, and help develop skills.
  • Review teammates work and provide signoff for decisions within authority level.
  • Handle executive escalations for complex situations and high exposure cases as necessary.
  • Assist and coach teammates on merchant communication and calls, providing leadership support and guidance.
  • Facilitate or participate in special assignments or projects as needed and delegating efforts to teammates where applicable.

Required Skills

  • Strong analytical skill - must be able to analyze complex data, draw meaningful conclusion, and make holistic business recommendations
  • Ability to approach problems in a quantitative and qualitative manner
  • Be comfortable with complex data and analytics to draw meaningful insights
  • Excellent organizational, communication, and interpersonal skills
  • Strong collaboration skills, and the ability to build rapport with members of other departments.
  • Strong working knowledge of external systems, PC based internet and software applications (Internet, Microsoft Office - Outlook, Word, Excel).
  • Familiarity with merchant processing industry, particularly risk and operational processes
  • Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, in a fast-paced environment
  • Must be fluent in English.
  • Leadership skills for guiding, supporting, coaching and mentoring peers


  • 4+ years of of relevant experience, in commercial lending, underwriting or credit risk assessment with experience in financial statement analysis, financial modelling, forecasting and valuation.
  • Experience in Credit underwriting, banking and management consulting profiles are preferred.
  • Experience in financial statement analysis, modelling, forecasting and valuation
  • Experience preparing financial reviews, interpreting financial performance and assessing credit exposure
  • Experience in merchant risk review, and investigation.
  • Experience collaborating and building productive relationships across multiple departments.

Educational Requirements

  • Have a university degree and/or professional qualification in Finance, Accounting, Economics, Statistics Business, Mathematics Administration or related fields or equivalent experience required. MBA or related graduate degree preferred.

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. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at