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Senior Risk Underwriter in Singapore at PayPal

Date Posted: 4/24/2021

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 392 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.

As an seller risk Sr Underwriter, you will analyze and develop risk views of PayPal sellers leveraging your strong business and financial acumen, logical reasoning and communication skills to make clear recommendations for balanced and timely risk mitigation.

What does the role entail?

  • Assess company credit profiles and develop views of merchant financial health and any potential risk to PayPal’s operations.
  • Analyze a wide range of data including business models, credit scores, industry and peer information, products, etc.
  • Estimate potential financial exposures to PayPal, assessing the need for and extent of risk mitigation measures.
  • Where necessary, assess acceptable use cases, regulatory & credit card compliance, and legal considerations with respect to a seller or industry.
  • Develop industry insights and propose policy guidelines where appropriate to mitigate risk and manage seller experience.
  • Communicate professionally and effectively with cross-functional stakeholders on risk insights and recommendations.
  • Maintain thorough, accurate documentation and audit trails of risk assessments, reports, methodologies, etc. in a timely manner.
  • Monitor seller performance across portfolio segments, as needed
  • Evaluate and share feedback and recommendations on data, tools, process and assessment methodologies for continuous improvement. Assist to develop & test solutions where suitable.
  • Other opportunities & projects relevant to managing the financial risk of PayPal’s sellers.

Skills: The right candidate would -

  • Have a university degree and/or professional qualification in Business Administration, Finance, Accounting, or related fields
  • Have minimally 2-4 years of relevant experience such as credit risk assessment, financial statement analysis, financial modeling, forecasting or valuation, etc.
  • Credit risk, banking, credit rating agency, equity or fixed income research profiles are preferred.
  • Be comfortable with data and analytics to draw meaningful insights
  • Be a team player, with strong interpersonal & communication skills, both written and verbal
  • Be curious and thoughtful - a proactive self-starter with a bias for action
  • Knowledge of SQL is a plus. 

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