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Commercial Monitoring Analyst in Shanghai at PayPal

Date Posted: 3/7/2019

Job Snapshot

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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 267 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 the Commercial Monitoring Analyst, you will conduct risk views of PayPal sellers through assessment, decisioning, communication and delivery processes for timely risk mitigation and provide assistant to junior analysts.

What does the role entail?

Assess: Conducting a comprehensive review on every account by assessing and analyzing identity, intent, business model, and financial stability of the merchant. Connecting the dots of the merchant story

  • A subject matter expert in the holistic review
  • Identify the merchant's business model using industry knowledge and share the best practice with the team
  • Understand and conduct deep-dive analysis on the intent of the risk event
  • Determine the correct investigational techniques and internal tools
  • Ask pertinent questions to identify and resolve the risk event effectively
  • Assess the PayPal's exposure in relation to the identified risk
  • Building knowledge of several business industries with varying levels of risk

Decide: Letting the assessment guide you toward a logical and ethical decision with a balanced approach towards loss and experience

  • Use analytical approach to solve difficult problems with effective solutions
  • Consistently reach the correct outcome for PayPal and our merchant. Leverages the merchant review narrative to reach the correct risk mitigation approach.
  • Review policies are leveraged as guidelines. Knows when to reach an outcome which is an exception to policy
  • Articulate and support all the components that support your decision.
  • Incorporate elements of financial health into decision making
  • Understand the global economy and its impact in decision making

    Communicate: Tailoring every interaction as a value-add to our merchants and PayPal to create stronger partnerships, customer loyalty, establish risk management culture and growth enablement for both PayPal and the merchant life cycle

  • Communicate risk actions with internal and external stakeholders
  • Educate stakeholders on why risk actions are taken and how it will add value to merchants and PayPal
  • Articulate and support all the components that support your decision
  • Manage complicated escalations from internal and external stakeholders
  • Demonstrate shared values and professionalism in role
  • Communicate best practices with teammates

Deliver: Owning your work and relationships. Showing up every day with positive intentions to move ahead together as we drive and execute outcomes for the business as ONE Team

  • Able to self-direct performance against behavioral goals
  • Demonstrate shared values and professionalism in role
  • Expert at ‘Dealing with Ambiguity'
  • Viewed as a mentor for teammates developing skills

Skills: You would -

  • Have a college degree and/or professional qualification in Finance, Accounting, Business Administration or related fields, or equivalent work experience
  • Have 2+ years of relevant experience, in underwriting, credit risk assessment, fraud management, or transaction processing
  • Able to understand the financial statement and conduct the analysis
  • Be a team player, with strong interpersonal & communication skills, both written and verbal
  • Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, under a fast-paced environment
  • Ability to function in multiple queues covering a variety of tasks
  • Fluent in English. Another regional language in North Asia as a plus
  • Be familiar with MS Office, internet research & software applications

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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