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Dir -RCBP Cr., Seller & Collections Risk in Chandler, Arizona, United States of America at PayPal

Date Posted: 12/23/2021

Job Snapshot

Job Description

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives. We’re a purpose-driven company, and our beliefs are the foundation of how we conduct business every day. We’re guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Collectively, these values inspire us to work together as One Team with our customers at the center of everything we do, and to take care of ourselves, each other, and the communities in which we live and work. We challenge the status quo, ask questions, and find solutions. Join us as we enable the hopes, dreams, and ambitions of millions of people around the world.

This role will serve as the Second Line of Defence primary point of contact and business partner for the Global Credit Risk, Seller Risk, and Collections (GCSC) business unit. The GCSC team is focused on ensuring PayPal’s credit underwriting, collections, and merchant risks are managed effectively across PayPal’s global footprint. This role will work directly with Senior Leadership in the business to identify and mitigate risk, advise on business strategy, and ensure PayPal meets its regulatory obligations. This leadership position is responsible for second line oversight of the Business Unit’s execution of PayPal’s Risk and Compliance Management Program, driving a data-driven approach that meets the PayPal global framework.

The individual in this role will:

  • Provide subject matter expertise to the PayPal senior leadership regarding identifying, assessing, prioritizing, and how to manage risk.  
  • Be a contributor in business strategy development.  Understanding internal and external influences and the business climate, and decision and execute accordingly.
  • Collaborate with team members to evaluate and risk assess new and novel products, credit models/strategies, and services.
  • Deliver advice based on a wide breadth of competencies across risk domains (e.g., operational, financial, strategic, technology regulatory).
  • Engage key Risk and Compliance program stakeholders to help support business unit initiatives and to execute program requirements.
  • Identify potential areas of compliance vulnerability and risk, propose solutions to resolve issues, and providing guidance for future avoidance of similar issues.
  • Review results of Compliance Risk Assessments and provide effective challenge. Identify areas of improvement and drive implementation.
  • Ensure regulatory requirements are understood and complied with for emerging growth initiatives, new products and new credit risk, collections, or merchant risk strategies.
  • Partner with the business to understand their needs, and drive solutions specifically around process improvements.
  • Provide regular updates and presentations to senior leadership on emerging risks and regulatory changes impacting their products, services, and markets.
  • Develop and present quarterly risk and compliance reviews for senior leadership, noting key areas of focus and progress against established goals.
  • Serve as a credible business partner to executives and other key stakeholders.
  • Provide objective, independent risk and compliance assessments and recommendations.
  • Collaborate with cross-functional team professionals; strive to deliver exceptional and responsive service by providing risk and compliance management expertise in a clear, solution oriented and customer-focused manner.
  • Escalate timely and actionable information to key stakeholders.
  • Support management and operations with problem solving on regulatory matters.

Qualifications/ Education/Experience/Skills:

  • Deep knowledge of credit risks and requirements, including significant knowledge of compliance risk, operational risk, financial risk, and technology risk.
  • At least 10+ years of experience in a large organization including demonstrated leadership in building risk and compliance frameworks.
  • Experience in lending, collections, financial technology, payment systems, digital assets, or financial regulation.
  • Extensive experience in supporting business partners through the various stages of product development, from ideation to launch.
  • Experience with merchant risk management processes. 
  • Ability to identify risks, including consumer protection, money laundering, privacy, and technology, and support the business through mitigation.
  • Ability to navigate across multiple geographies, including global shared services functions.
  • Demonstrated ability to build and maintain relationships with key stakeholders, including strengths in influencing, conflict management, and negotiation.
  • Ability to communicate complex matters in a simple and clear manner.
  • Skilled at identifying and recommending cost effective solutions and organizing resource allocation.
  • Experience in partnering with and counseling senior business clients, particularly in the context of a rapidly changing environment.
  • Strong problem solving and operational process skills and attention to detail.
  • Excellent ability to analyze regulatory risks in complex business processes and recommend controls to mitigate those risks.
  • High energy and creativity, an entrepreneurial spirit, and the desire to work in a growing and changing environment.
  • Ability to work within a matrixed environment, and cross functionally.
  • Ability to operate with strong integrity with the ability to handle projects of a sensitive and confidential nature.
  • Strong computer knowledge; excellent MS Word, Excel, Visio, and PowerPoint skills.


  • Partnership – organizational awareness, engages widely with peers and seniors across PayPal.
  • Innovate – leads effectively in a dynamic, fast-changing environment, challenges convention.
  • Deliver Stand out Results – develops decisive strategies that deliver tangible results.
  • Execution – focuses the business area on strategic priorities; operates clear, simple systems.
  • Leadership – contributes to the business leadership agenda; sets business area vision.

What we offer?

  • Be a part of a dynamic entrepreneurial team shaping the payments landscape.
  • Concrete experience with strategic thinking and on-the-ground drive and execution.
  • Future career opportunities with international exposure via PayPal’s network of global locations.
  • A supportive environment that allows our employees to thrive and learn.


From the moment that you join our team we aspire to make your employment experience an outstanding and engaging one. We are passionate and proud of our company. It is this vigor and attitude that helps us execute well, every day. If you are enthusiastic and thrive in a collaborative and friendly environment then we invite you to learn more, explore opportunities, and discover a place for you.

For more than 20 years, PayPal has remained at the forefront of the digital payment revolution. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, our open digital payments platform gives PayPal’s 400 million active account holders the confidence to connect and transact in new and powerful ways. 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 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