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Lead Analyst– Venmo Card Risk Strgy in Timonium at PayPal

Date Posted: 1/21/2021

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.

PayPal's Credit Organization is responsible for managing the risk throughout the lifecycle of PayPal's credit products. This is an exciting position where your contributions can really help PayPal's bottom line and create experiences that our customers love. The position will be managing Acquisition/Portfolio credit risk strategies for Venmo Card.

Job Description:

  • Conceive, design, and monitor credit risk management strategies to improve business profitability in the areas of underwriting, credit line management, and authorizations for consumer lending.
  • Analyze customer level information to determine the effectiveness of credit policies and recommend necessary changes to improve profitability.
  • Leverage new data / 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 to Sr. Management.
  • Present new strategy recommendations for management approval.

Job Requirements:

  • Bachelor’s degree in Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline
  • 3+ years proven credit risk analytics experience, or equivalent (open to strong candidates without experiences at an adjusted level)
  • Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis
  • Strong written, oral, and interpersonal skills are a must including the ability to clearly explain and/or present analysis
  • Must have good business judgment with demonstrated ability to think creatively and strategically
  • Aptitude and willingness to roll-up the sleeves and get involved in the details
  • Proficiency in SAS and SQL
  • Excel, Word, and PowerPoint proficiencies

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



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