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Credit Risk Analyst in United Kingdom at PayPal

Date Posted: 11/4/2020

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 305 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.

PayPal's Credit Organization is responsible for managing the risk throughout the lifecycle of PayPal's credit products. This is an exciting organization where the contributions by the team members can really help PayPal's bottom line and create experiences that our customers love. In this role as a Credit Risk Analyst, you will launch innovative lending propositions across European markets. Leveraging your expertise in defining credit risk strategies, you will collaborate with technology, business development and governance teams to create winning lending products for PayPal’s business customers in Europe. 


  • Directly apply experience in third-party data providers and strong expertise in Credit bureaus to contribute to the redesign of existing credit products as well as launch into new European markets.
  • Analyze customer level information to determine the effectiveness of credit policies and recommend necessary changes to improve profitability.
  • Innovative use of data and processes to improve risk management strategies and customer experience.
  • Analyze portfolio trends to deliver strategic business insight from internal and external data.
  • Communicate concise and actionable business strategies from vast amounts of data for Sr. Management


  • Demonstrated strong understanding of third-party data providers, particularly on Credit Bureaus and technologies in Open Banking or 3rd - party APIs. 
  • Broad knowledge across Regulatory landscape as applicable in new market expansion across Europe.
  • Bachelor’s degree or higher in a quantitative field such as Decision Science, Data Science, Mathematics, Statistics, Computer Science, Operations Research, Engineering, Finance, or Economics. 
  • 4+ years of experience in Financial Services, specifically within Credit Risk Management, Small Business, Commercial, or Consumer lending. Experience across multiple markets is preferred. 
  • 4+ years of experience solving business problems leveraging data and analytics. 
  • 4+ years of experience using SQL, SAS, R, Python, Xeno, MatLab, or similar data-mining and analytics applications. 
  • Capable of managing change through typical strategy development lifecycle stages such as Ideation, Solutioning, Execution, and Go-To-Market. 
  • Excellent communication and presentation skills, problem-solving, time-management, collaboration, and interpersonal skills. 
  • Ability to work autonomously as well as in a team setting. 
  • Highly curious with the desire to go deep beneath the surface to solve problems. 
  • Additional European language skills strongly preferred. 

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