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Manager, Credit Product Optimization in Wilmington at PayPal

Date Posted: 2/13/2021

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 375 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.

The Manager, GML Revenue Optimization and Expense Control works with the Director, GML Revenue Optimization and the commercial management to manage the US commercial portfolio profit and loss assumptions. The position requires the candidate to collaborate with other senior leaders within GML to understand and analyze specific revenue and expense assumptions and ensure that they align with the P&L. This role has an excellent opportunity to learn about PayPal commercial lending products, product management and the product development lifecycle while demonstrating critical stakeholder and project management skills. Join a group of dynamic and diverse thinkers /doers who are transforming the way we standardize and share experience data across the organization.


  • Build operating plan and volume forecast for new initiatives / GTM
  • Business case development for new product launches and product changes
  • Evaluate impact of new product launches on existing portfolio
  • Revenue optimization / forecast
  • Pricing fee impacts / partner pricing
  • Conversion rate funnel analysis and optimization
  • Unit cost analysis
  • Expense forecasting and control against all functional areas
  • Partner with finance and analytics to build measurement and control plans
  • Manage to and report on defined KPIs
  • Work with marketing and analytics on marketing expense optimization
  • Work with commercial team to understand expense impacts of new initiatives
  • Work with operational areas to develop expense initiative business cases
  • Manage to and report on defined KPIs
  • Annual and quarterly financial planning, target setting, and reporting of expense
  • Analyze business performance and both identify and quantify opportunities to reduce expenses
  • Work with vendor managers and the enterprise to negotiate vendor pricing
  • Manage to and report on defined KPIs
  • Annual and quarterly financial planning, target setting, and reporting of revenue
  • Convert business questions into analytical problems and provide solutions through data analyses
  • Use analytics to improve our ability to detect, understand and address emerging trends and business impacts
  • Analyze business performance, including creating insight into customer behavior, business and project performance, pricing opportunities, etc.
  • Updating key financial models and creating new financial models from scratch – including pricing models, deal models, etc.
  • Communicate complex concepts and the results of the analyses with clear and effective communication and visualization to senior leadership
  • Work with large volumes of data; extracting and manipulating large datasets using Excel, SQL and/or SAS


  • 5+ years of relevant finance, corporate development / strategy, banking / consulting, or pricing strategy experience
  • An understanding of commercial lending product & technology is preferred and will go a long way in the success of this role
  • Superior analytical capabilities with deep understanding of how a business operates
  • Strong experience building and maintaining complex financial models
  • Talent for synthesizing complex ideas and communicating them in ways others can easily understand (both verbally and via email/PowerPoint)
  • Ability to navigate a complex & matrixed corporate environment while juggling multiple responsibilities
  • Highly dependable, with ability to drive things to conclusion across teams
  • Must be proactive, resourceful, and demonstrate intellectual curiosity
  • Strong interpersonal skills, diplomacy, and client service-oriented attitude and mindset
  • Proven ability to function well independently as well as in a team
  • Comfortable working in a fluid environment where roles and responsibilities are still evolving


  • Bachelor’s degree in Finance, Business, or Marketing
  • MBA, Master’s degree, or equivalent work experience 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