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FP&A Credit Manager in Wilmington - Silverside Rd at PayPal

Date Posted: 8/30/2021

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.

The PayPal Global Merchant Lending Finance Team is responsible for managing the finances and forecasting the performance of credit products and initiatives for Merchants. We work in partnership with a variety of teams across PayPal to make financially sound business decisions that fuel the company’s growth. The Sr Financial Analyst, Global Merchant Lending will support the financial planning process, which includes near term forecasting, annual planning, strategic planning, and global expansion initiatives for the PayPal Working Capital Program. Additionally, this position will support the analysis and modeling of the loan portfolio, developing forecast assumptions thru data analysis, perform profitability analysis of key segments, and assess strategic and tactical initiatives. This person will have the opportunity to collaborate with, support multiple functional areas across the business to project, and deliver results, while influencing business strategies. The successful candidate for the Sr Financial Analyst position will understand the concepts and possess skills in finance, accounting, and information systems. The ideal candidate will also communicate effectively, be able to work independently, and thrive in a rapidly changing environment.

Specific responsibilities include:

  • Provide meaningful daily, weekly, monthly analysis of trends vs. expectations
  • Research and review portfolio activity in order to measure and map asset performance.  Identify trends to support forecast assumptions, model inputs and perform attribution analysis
  • Updating key financial models and creating new financial models from scratch – including loan portfolio models, pricing models, deal models, etc…
  • Convert business questions into analytical problems and provide solutions through data analyses
  • Assist with developing the near-term and long-term business planning assumptions and pro forma financial statements
  • Assist with business case development for new product launches and product changes
  • Provide insights and input into the annual plans and monthly forecasts for loan volume, revenue, fees, losses, loss provision, and operating expenses
  • Unit cost analysis
  • Partner with the Marketing team to develop marketing channel P&Ls to support management initiatives, incremental spend opportunities and facilitate decision-making
  • Liaise closely with Risk, Accounting Policy, Credit Controllership, Legal and Compliance to ensure integrity and alignment around financial processes and controls
  • Partner with Credit Finance team to envision, define, and drive opportunities for technology and process improvements while ensuring team responsibilities are balanced efficiently and well controlled

Capabilities - Applicants should have the following capabilities:

  • Strong data analysis skills, but also synthesize the big picture by identifying connections and relationships in data
  • Communicate complex concepts and the results of the analyses with clear and effective communication and visualization
  • Takes pride in having an impact across the organization by providing thoughtful, objective, and unbiased financial analysis and feedback on business strategy, product and operations.
  • Working with large volumes of data using excel, SQL.
  • Takes ownership of tasks and problems, committed to delivering quality results and overcoming challenges in a time-sensitive environment. 
  • Controls-focused in supporting and extending repeatable, documented processes that ensure accurate and consistent deliverables.
  • Polished interpersonal and collaboration skills, including an ability to listen to needs of the business and comprehend complex matters. 
  • Ability to self-manage multiple projects under pressure with changing priorities.
  • Relentless attention to detail and accuracy.


  • 3-5 years of progressive FP&A/Finance career experience (corporate FP&A, strategic finance, financial reporting)
  • Advanced proficiency in MS Excel and PowerPoint
  • Experience with financial modeling, scenario analysis, and sensitivity analysis
  • Comfortable working with large data sets
  • Experience working in Credit, Lending, or Banking industry is a plus
  • Demonstrated track record of identifying and implementing process improvements
  • Must be proactive, resourceful, and demonstrate intellectual curiosity

Preferred Qualifications

  • 5+ years of experience at a firm in the Fintech, corp finance, banking, or credit card industry
  • An advanced degree in Finance, Accounting, Management Information Systems, Business Administration, Analytics, or a related field
  • Strong experience building and maintaining complex financial models
  • Experience leading teams in a matrix environment
  • Experience leading, managing, and analyzing financial planning and analytics (FP&A) processes
  • Comprehensive knowledge of US GAAP (specifically loan accounting a plus)
  • Experience using SQL & VBA

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