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Manager, Credit Product Optimization in Wilmington at PayPal

Date Posted: 9/21/2021

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 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.

Job Description


  • 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

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