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Credit Risk Policy Governance Analyst in Timonium at PayPal

Date Posted: 5/10/2021

Job Snapshot

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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 392 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’s Global Credit Policy team is seeking a Credit Policy Governance analyst to support the full life cycle of Credit Policy Change management. This position will work closely with the Credit Risk Policy Management team to understand their strategies, goals and key objectives. The analyst will manage product specific credit policies and procedures to ensure all documents are up to date and adhered to, the socialization of changes to existing policies with key stakeholders for approval, and practices adopted by the Bank are in full compliance with Regulatory guidance. The Policy Governance Analyst will be responsible for both internal and external relationship management activities to include multi-bank partnerships.

Job Responsibilities

  • Develop and maintain relationships with the Global Credit Risk Policy teams to understand and document underwriting, portfolio management and fraud risk policies completely and accurately.  
  • Coordinate the review / approval process for new initiatives, procedures, or changes to existing strategies between our bank partners, legal department, compliance and sr. management to identify any potential risks that may impact project and/or business timelines.
  • Represent risk management in internal project meetings to provide status updates on internal and external approval process as it relates to each initiative.
  • Ensure all bank reporting and deadlines are met in accordance with contracts, amendments and SLA’s.
  • Ensure all bank testing and oversight requirements are met, including but not limited to, on-site and remote activities.
  • Provide weekly and monthly reporting to the Credit Risk team to include updates on initiatives throughout the approval process and any potential risks that may impact timelines.

Job requirements

  • Consumer Credit Risk Management Experience
  • Relationship Management experience within a compliance and/or consumer banking environment
  • High energy, strong work ethic, action oriented and results driven.
  • Demonstrates the value of being a team player working across cross-functional teams.
  • Excellent written, communication, presentation and interpersonal skills. Solid analytical, problem solving and critical thinking skills
  • Strong project management skills; prioritization, decisioning and task management skills with attention to detail and a strong focus on deliverables with time limitations.
  • Must have the ability to troubleshoot complex issues, to provide potential solutions, to track issue status, and to report findings to external partners, peers, management and cross-functional teams.
  • Proven ability to interact with technical project leads, developers, quality assurance, and business team members.
  • Proficient in MS OFFICE.
  • 4+ years of relevant work experience.


  • Bachelor’s degree required.

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



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