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Credit Underwriting Specialist in Wilmington at PayPal

Date Posted: 5/20/2020

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 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.

At PayPal, the Credit Underwriting Specialist is responsible for understanding the full picture of the Customer with the ultimate goal of making the right judgmental decision for PayPal, the Customer, and our Investors. PayPal’s specialized Underwriting process is a source of competitive advantage and integral to everything we do. Our Underwriting Team is passionate about helping customers achieve their goals and passionate about PayPal’s continued success. Our innovative approach is focused on making sound credit decisions that maximize profitability and growth. If you share our passion for adding value, helping customers achieve their dreams and yearn to be part of creating and shaping success, then PayPal is where you want to be.

Job Description:

As a Credit Underwriting Specialist at PayPal, you will:

  • Interpret and analyze financial statements and business tax returns
  • Review business banking statements
  • Verify the accuracy of information submitted for underwriting
  • Interview small business owners, landlords / trade references, and review site inspections
  • Analyze credit bureau information (consumer and business)
  • Identify and research any inconsistencies with the application to identify potential fraud
  • Operate within a defined regulatory environment

Qualifications for success:

  • Bachelor’s degree in a business-related major
  • Superior decision making and analytical skills
  • Excellent oral and written communication skills
  • Ability to work within a team setting with all levels of the organization
  • Ability to multi-task with attention to detail
  • Superior customer service skills
  • Willingness and ability to discuss potentially difficult financial issues with business owners
  • Willingness to work flexible hours and additional hours as required
  • Proficient PC user, including experience with Microsoft Office suite

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