Country Risk Lead- India in Mumbai at PayPal

Date Posted: 10/16/2018

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 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 Regional Risk Management Team in Asia Pacific is responsible for delivering on the loss targets for the region as well as metrics related to user experience. In addition, the team also drives and enables a number of revenue enablement initiatives. Analytics-based strategy, execution bias, originality of thought, customer championship and collaborative culture are some of the prominent themes in the team. We are currently seeking a seasoned professional to join the team, specifically focused on managing the large and mid-market merchant portfolio for India. The position involves working very closely with the country teams, including GMs and the segment heads, as well as banking partners, merchants and regulators. The person will also be collaborating closely with various risk teams internally for optimization of risk management policies and actions for the portfolio in coverage.

  • Partner with the Business Units (BU) to understand the customers’ needs, and define and support the business strategy for various customer segments
  • Identify and execute on opportunities to drive down customer friction and loss and enable profitable growth - subject to the constraint of managing PayPal losses and maintaining a safe payment ecosystem
  • Educate the BU teams about Risk’s strategy, agenda, and progress as it pertains to customer segments in the respective countries
  • Educate Risk teams about BU's strategic priorities, including segment level programs/ initiatives
  • Help support various reporting rhythms for internal & external stakeholders e.g. Country Leadership team, Board of Directors, regulators, partners etc.
  • Work with global and regional teams to evaluate and improve existing risk management policies on a regular basis; routine and on-going analysis of losses to ensure an appropriate balance of portfolio losses and risks at all times
  • Continuously evaluate industry trends, competitive risk policies and customer needs to manage and influence PayPal’s direction & performance of its risk management programs
  • Lead sub-regional implementation of risk mitigation controls (e.g. reserves, minimum balances, withdrawal limits) to limit risks from specific populations
  • Consult on business initiatives, products and features. Analyze risk impacts, exposures and expected profitability of new products and offerings.

Additional information :

  • Bachelors degree in Business, Economics, Statistics, Accounting, Finance, Mathematics, Operations Research, Engineering with an MBA or related graduate degree preferred
  • Strong preference for experience in risk management, credit underwriting and/or portfolio management capacity for financial services, payment services, or merchant account acquiring companies, especially online business.
  • Knowledge of credit agency data availability and usage, and alternative sources of credit and business performance data on large corporates
  • Appreciation of local legal, compliance, collections, banking norms as well as unique and emerging business practices in the Indian market will be an added advantage  
  • A passion for problem-solving, flexibility, comfort with ambiguity, and creativity
  • Results driven team player with strong leadership, organizational and project management 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.



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