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Sr. Dir, Global Seller Risk Strategy in San Jose at PayPal

Date Posted: 6/11/2020

Job Snapshot

  • Employee Type:
  • Location:
    San Jose
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
  • Job ID:

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.

We are looking for a talented, motivated and results-driven leader to join the Risk Management organization. Responsibilities will include focused delivery on the loss budget by assessing, benchmarking and optimizing PayPal merchant acquiring and onboarding Risk strategy for the global SMB segment of seller while supporting PayPal’s aggressive expansion in the exciting marketplaces vertical. You will be responsible for multiple risk disciplines which PayPal to achieve best in class risk management while achieving superior customer experience. These efforts require close collaboration with regional business and functional counterparts along with coordination, partnership and most importantly influencing of cross-functional teams located in different geographic locations. This position requires a proven record of merchant risk management (online preferred), business acumen, creative thinking, strong influencing skills, strong communication and collaboration skills and a foundation of research and analytical skills.

Core responsibilities:

Have full oversight and accountability for the financial losses in the Small Business and Casual seller space due to Onboarding, risk, and credit risk.

• Oversee the day-to-day operations of the management of Merchant risk across all 3 domains products globally.

• Work with senior leadership to set Merchant risk mitigation goals and risk appetite triggers (consistent with PayPal’s risk management framework and program).

• Identify and implement strategies to meet Merchant risk mitigation goals.

• Work closely with decision science teams to have models implemented and tailored to strategies and goals.

• Oversee and develop ever-evolving techniques, tools and capabilities to maximize the effectiveness and efficiency of PayPal’s Seller risk mitigation efforts. This will include ensuring ongoing feedback loops and optimization efforts are in place, which will include partnering with the decision science team within SGD (Strategy, Growth and Data) and the investigative teams in GGRC (Governance, Risk and Compliance).

• Develop in partnership with the Risk Oversight team reporting (including key risk and key performance indicators) for senior leadership, management committees and boards.

• Ensure that appropriate training, procedures and performance monitoring are in place and maintained (particularly for alert adjudication and account disposition processes).

• Support and promote a culture of progress and ensure day-to day quality; risk and risk mitigation is maintained through periods of strategic change.

• This position will be asked to participate and present to management committees and boards as appropriate.

• This leader will work effectively in a complex, fast-paced matrixed environment, replete with tight deliverable timeframes and multiple stakeholders, both internal and external.

• This position is expected to act independently and demonstrate strong initiative.

• This leader needs to influence outcomes, minimize and address conflict.

• The role requires a sense of urgency, passion for results, and personal accountability for achievement.

Education required:

- Bachelors degree in Business, Economics, Statistics, Accounting, Finance, Mathematics, Operations Research, Engineering with an MBA or related graduate degree preferred Experience required:

- 8+ years of experience in risk management, credit underwriting and/or portfolio management capacity for financial services, payment services, or merchant account acquiring companies (online preferred)

- Exceptional people influencing and collaboration skills

- International experience preferred, including the management of country-specific risk

- Knowledge of credit agency data availability and alternative sources of data for small business analysis

- Solid understanding of local data protection, banking, card association and compliance requirements

- A passion for problem-solving, flexibility, comfort with ambiguity, and creativity

- Results driven team player with strong leadership, organizational and project management skills

Additional requirements

 The above statements are intended to describe the general nature of work being performed by the employees assigned to this classification. They are not intended to be construed, as an exhaustive list of all the responsibilities, duties, and skills required of employees so classified. This position will require travel approximately 15% of the time.

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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