Commercial Underwriting Manager in Chandler at PayPal

Date Posted: 9/20/2018

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 244 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 Seller Risk management group is looking for a highly talented and self-motivated individual to join our team. The candidate would be a part of the PayPal Risk team located in Chandler, AZ.

The individual will manage a team of credit analysts and underwriters who are responsible for our NA Commercial portfolio. This person should be skilled in early identification and evaluation of deteriorating financial situations in order to minimize losses; Support overall risk goals through detailed analysis that results in policies, test-and-learn pilot programs and broad strategies to deliver efficiency, loss reduction and better customer experience; manage seller/merchant risk monitoring (MRM) strategies to optimize effectiveness of monitoring including PayPal and seller gross loss as well as customer experience; manage the overall strategy and foresee development of various business initiatives & programs; develop and manage reporting and value assessment for work; research and develop new risk tools and platforms to support overall organizational goals.

Commercial Underwriting Manager


  • Lead and manage the Underwriting team by encouraging sound financial analyses and decision making
  • Identify opportunities for continuous improvement, implementing Underwriting best practices to ensure organization is competitive in the marketplace
  • Actively coach and manage direct reports, providing regular feedback and developing employees for wider roles and responsibilities to foster professional growth and development
  • Serve as the primary resource for developing and implementing best practices for underwriting and monitoring merchants, assessing/managing risk and mitigating merchant risk for all payment solutions.
  • Collaborate with cross-functional teams to develop tools and processes to enhance efficiency of vetting and monitoring; assist in new product development and related risk endeavors.
  • Analyze complex financial statements and waterfall of payments
  • Evaluate risk ratings to proactively protect PayPal in deteriorating credits
  • Partner with cross functional teams of operational analysts, analytical  and product development resources to identify and promote new solutions and products that will improve the overall effectiveness of merchant risk monitoring and risk programs
  • Formulate, construct, conduct and analyze controlled experiments and derive valid conclusions from various test and learn pilots pertaining to seller risk that can be applied and scaled to risk operations
  • Work with operational analysts to build stories on emerging loss trends and opportunities for solution prototype development
  • Periodic analysis of new credit losses and present lessons and loss MOs with actionable insights
  • Prepare and present the new trends and opportunities to senior leadership and extended teams
  • Perform other related assignments/projects as requested by management


  • Bachelor’s Degree in Finance, Economics or equivalent
  • 5+ years of experience in risk management, credit underwriting and/or portfolio management - capacity for financial services, payment services, or merchant account acquiring companies
  • Aptitude for data-driven decision making with a history of driving process improvement and efficiency using prospect and customer data.
  • Excel in a dynamic and fast-paced environment; manage changes, set and follow priorities and execute on vision and strategy.
  • Experience in developing and implementing risk management/underwriting and risk strategies processes and procedures and training teams in the execution of those strategies.
  • Excellent verbal and written communication skills

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.