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 provides Credit globally to both Consumer and Business Customers. We have and will continue to grow in the US and Internationally through acquisitions, partnerships and organically. The Credit Finance team plays a pivotal role in analyzing, understanding and driving business results. We are looking for a highly motivated Financial Analyst to join our Business Lending team. In this role you will work closely with the Marketing, Accounting and Analytics teams to translate business strategies into expected financial performance.

The Financial Analyst will support the financial planning process, which includes near term forecasting, annual planning, strategic planning, and global expansion initiatives.  Additionally, this position will support the analysis and modeling of the loan portfolio, developing forecast assumptions thru data analysis, perform profitability analysis of key segments, and assess strategic and tactical initiatives.  This person will have the opportunity to collaborate with and support multiple functional areas across the business to project and deliver results, while influencing business strategies.

Specific responsibilities include:

•    Maintain, update and enhance financial operating models.

•    Assist with developing the near-term and long-term business planning assumptions and pro forma financial statements – coordinate with functional heads (Marketing, Sales, Product, Risk, Operations, Analytics teams) 
•    Provide insights and input into the annual plans and monthly forecasts for loan volume, revenue, fees, losses, loss provision, and operating expenses.
•    Research and review portfolio activity in order to measure and map asset performance.  Identify trends to support forecast assumptions, model inputs and perform attribution analysis.
•    Provide meaningful daily, weekly, monthly analysis of trends vs. expectations.  
•    Partner with Marketing team to develop marketing channel P&Ls to support management initiatives, incremental spend opportunities and facilitate decision-making.
•    Liaise closely with Risk, Accounting Policy, Credit Controllership, Legal and Compliance to ensure integrity and alignment around financial processes and controls.
•    Partner with Credit Finance team to envision, define, and drive opportunities for technology and process improvements while ensuring team responsibilities are balanced efficiently and well controlled.

Capabilities - Applicants should have the following capabilities:

•    Strong data analysis skills, but also synthesize the big picture by identifying connections and relationships in data.
•    Takes pride in having an impact across the organization by providing thoughtful, objective, and unbiased financial analysis and feedback on business strategy, product and operations.
•    Takes ownership of tasks and problems, committed to delivering quality results and overcoming challenges in a time-sensitive environment.  
•    Controls-focused in supporting and extending repeatable, documented processes that ensure accurate and consistent deliverables.
•    Polished interpersonal and collaboration skills, including an ability to listen to needs of the business and comprehend complex matters.  
•    Ability to self-manage and work efficiently under pressure.  Capable of managing multiple streams of work and adapting to changing priorities.    
•    Strong administrative, organizational, process and communication skills.  Relentless attention to detail and accuracy.

Qualifications:

• Bachelor’s degree in Finance or Accounting (or related field). 
• 3-5 years of progressive finance/accounting career experience (corporate FP&A, finance, financial reporting, consulting, or public accounting) and a proven track record
• Computer savvy with advanced proficiency in MS Office, especially with Excel and PowerPoint (VBA experience a plus)
• Strong experience with financial modeling, scenario analysis, and sensitivity analysis.
• Comfortable working with large data sets (proficiency with SQL a plus)
• Experience working in Credit, Lending, or Banking industry is a plus
• Comprehensive knowledge of US GAAP (specifically loan accounting a plus)

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 paypalglobaltalentacquisition@paypal.com.

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