Risk Analyst Global Pay Later in Paris at PayPal

Date Posted: 8/17/2019

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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 286 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.

This Credit Risk Analyst role for the International Consumer books will be responsible for analyzing all elements of the customer lifecycle, making recommendations for optimal strategies and initiatives covering credit strategies as well as for the diligent monitoring of book performance.


  • Work with P&L owners and other stakeholders to analyse, propose and implement robust strategies across the lifecycle of a consumer lending product, from acquisition to customer management to collections and recoveries
  • Measure the P&L impact of credit strategies to optimize mix of risk and revenue
  • Provide insights so leadership on book quality and provide recommendation on risk and opportunities
  • Explore data sources internal and external to PayPal and evaluate their potential contribution to the credit underwriting process
  • Interact with operations teams to provide input in impact of credit strategies on customer communication and collections efforts
  • Interact with compliance and legal teams to confirm the credit strategies are compliant with applicable regulatory guidelines


  • Masters Degree or equivalent
  • Several years consumer credit risk experience with market exposure on France and/or Spain and/or Italy
  • Ability to develop risk strategies
  • Strong analytical skills
  • Experience with data with database products (i.e. SAS, SQL)
  • Strong communication skills and experience distilling and presenting complex risk analyses into action-oriented recommendations
  • Can do and problem-solving attitude
  • Fluent in English and at least in one (ideally 2) of the following languages: French, Spanish and/or Italian.

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.



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