דרושים Uk Credit Services Agent ב-Paypal ב-Ireland, Dublin

Your Day to Day

• Responsible for working and responding professionally to customer inquiries via multiple communication channelsprimarily inbound telephone calls with some messaging included.
• Making outbound calls to customers to help resolve issues in the most efficient and customer-friendly manner
• Effectively identify problems and issues by performing relevant research using the appropriate tools
• Effectively work and respond to processes within the regulated requirements and timelines, keeping in mind the financial and reputational risks
• Providing feedback to management regarding necessary changes and updates; including policies, upgrades, and customer care issues
• Deciding on the outcome of complex issues keeping in mind that decisions may impact customer retention, PayPal loss or savings, as well as result in legal action or reputational damage

What you need to bring

• Experience in one or more of the following areas: Customer Service, Call Centre, Credit Services, Lending, Transaction Processing, Account Processing or Debit Services
• Experience in a financially regulated environment is desirable
• Ability to communicate effectively via telephone by utilising soft skills, active listening and speaking to customers
• Ability to communicate effectively via messaging by utilising proper grammar and punctuation skills
• Ability to handle multiple complex and high-priority tasks simultaneously
• Ability to make discretionary decisions based on research and within the regulations
• Well-developed sense of urgency and follow-through
• Proficiency in the use of computer systems with the ability to learn and adapt to new software technologies

Competencies

• Strong customer focus, putting the customer at the heart of what we do
• Ability to manage your time effectively
• Experience working with targets with a strong drive for results
• Excellent listening skills
• Composure
• Problem-solving skills
• Integrity and trust
• Ability to demonstrate ethics and values
• Action-oriented

Our Benefits:

Any general requests for consideration of your skills, please

• Respond to customer inquiries via phone and chat, providing support for products, services, accounts, and transactions while maintaining production, quality, and customer satisfaction standards.
• Outreach to merchants with the goal of strengthening their engagement with the PayPal platform while proactively identifying opportunities for collaboration and growth.
• Research, resolve, and take necessary actions to address customer concerns, proactively identifying and preventing future issues.
• Identify and assess the specific needs of each merchant to deliver customized recommendations on PayPal's products, features, and benefits, aiming to enrich their user experience and optimize long-term value.
• Provide regular feedback on process improvements, as well as necessary policy or product updates.
• Maintain compliance with security and confidentiality policies while ensuring adherence to departmental procedures.
• Continuously develop expertise in PayPal products, policies, and procedures, applying independent judgment and problem-solving skills to deliver excellent customer service.

Minimum Qualifications:

• Minimum of 3 years of relevant work experience
• Fluent English is required for this role
• Strong verbal communication skills utilizing active listening and clearly speaking to customers
• Strong written communication utilizing proper grammar and punctuation

• Strong organizational, communication, and interpersonal skills.
• Proven ability to drive results through a clear vision and strategic direction.
• Skilled in prioritizing tasks, identifying urgent needs, and delegating responsibilities to ensure timely achievement of goals.
• Enthusiastic learner with a keen ability to adapt to new software and technologies.
• Experience with external systems, internet applications, and CRM tools, including proficiency in Microsoft Office Suite.
• Capable of multitasking across multiple systems, screens, and tasks during customer interactions.
• Excellent time management skills and commitment to adhering to schedules.

Core Competencies:

• Customer Focus
• Listening skills
• Problem solving
• Composure
• Drive for results
• Functional/Technical Skills
• Ethics and Values
• Integrity and Trust

Belonging at PayPal:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Handle inbound calls to and from customers regarding their outstanding balances.
• Utilize multiple communication channels, including phone, email, and chat, to contact customers, provide support and respond to customer inquiries efficiently.
• Listen to customers' concerns and understand their financial situations to offer appropriate payment solutions.
• Negotiate payment plans and arrangements that align with company policies, regulatory requirements, and customers' abilities to pay.
• Maintain accurate and detailed records of customer interactions and payment agreements in the system
• Provide exceptional customer service by demonstrating empathy, patience, and professionalism in all interactions, while meeting production and quality goals.
• Stay informed about company policies, procedures, and industry regulations related to collections.
• Proactively engage in self-development activities, that support your professional growth. including attending training sessions and workshops to enhance your skills and knowledge in collections and customer service

Expected Qualifications:

• 1 year of relevant experience

Our Benefits:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Conduct timely assessments of merchant credit risk throughout the merchant life cycle
• Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
• Estimate financial exposure and recommend risk mitigation measures where necessary
• Communicate risk insights and recommendations effectively with cross-functional stakeholders
• Maintain accurate documentation and audit trails of underwriting assessments
• Monitor portfolio segments and track seller performance to identify risks and opportunities
• Stay current on industry trends and credit risk best practices to inform decision-making
• Facilitate or participate in special assignments and projects to support business initiatives

Expected Qualifications:

• 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Job Description:

In your day-to-day role, your responsibilities include:

• Conduct comprehensive reviews and risk assessments of new and existing customers during onboarding and underwriting.

• Analyze a wide range of data, including business models, credit scores, industry information, and products, to assess merchant financial health and potential risks to PayPal.

• Estimate potential financial exposures and determine the need for risk mitigation measures.

• Perform thorough analyses of high-risk customer segments and potential AML, financial crime, and suspicious activities across multiple jurisdictions.

• Ensure compliance with Acceptable Use Policy, Know Your Customer (KYC) efforts, and Customer Identification Program (CIP) requirements.

• Identify trends and potential risk factors in customer data, ensuring alignment with company policies and regulatory guidelines.

• Apply analytic techniques to complex information sets to make logical and supported recommendations.

• Exercise good judgment in making decisions or recommendations related to case investigations.

• Document findings in narrative format within the case management system and prepare reports for management.

• Ensure high-quality reviews and maintain performance in the Quality Control Program.

• Communicate risk insights and recommendations professionally and effectively with cross-functional stakeholders.

• Evaluate and provide feedback on data, tools, processes, and assessment methodologies for continuous improvement.

What do you need to bring

• A Bachelor’s degree in Finance, Economics, Legal, Criminal Justice, Business Administration, Accounting, or a comparable field, or equivalent work experience.

• Relevant experience such as credit risk assessment, financial statement analysis, financial modeling, forecasting, valuation, or investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence.

• Proven ability to analyze large amounts of data to report critical information.

• Exceptional oral, written, and interpersonal communication skills with the ability to communicate complex information accurately, clearly, and quickly to all levels.

• Ability to work efficiently with an attention to detail in investigations, analysis, and writing.

• Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.

• Ability to directly communicate with internal and external stakeholders professionally and effectively.

• Proficient (both written and spoken) in English.

• High level of professionalism, self-motivation, and sense of urgency.

Our Benefits:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Conduct timely assessments of merchant credit risk throughout the merchant life cycle
• Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
• Estimate financial exposure and recommend risk mitigation measures where necessary
• Communicate risk insights and recommendations effectively with cross-functional stakeholders
• Maintain accurate documentation and audit trails of underwriting assessments
• Monitor portfolio segments and track seller performance to identify risks and opportunities
• Stay current on industry trends and credit risk best practices to inform decision-making
• Facilitate or participate in special assignments and projects to support business initiatives

Expected Qualifications:

• Minimum of 5 years of relevant work experience and a Bachelor's degree or equivalent experience.

Our Benefits:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Perform portions of risk assessments and credit worthiness requiring financial knowledge and developing business expertise
• Support and may lead regulatory projects of limited scope impacting PayPal's compliance standards
• Analyze and risk mitigation recommendations within limited parameters under regular supervision
• Receive regular and general instruction and guidance from more experienced colleagues on work in the form of specific objectives

Minimum Qualifications:

• Minimum of 2 years of relevant work experience and a Bachelor's degree or equivalent experience.

Our Benefits:

Any general requests for consideration of your skills, please

What You’ll Do

• Design and prototype data science solutions that enhance model development lifecycle (MDLC), automation, and large-scale ML enablement.
• Apply advanced machine learning and statistical techniques to solve high-impact, system-level problems with real-world constraints.
• Explore and integrate emerging trends in agentic AI and LLMs into intelligent assistants, toolkits, or reasoning systems that support internal data science use cases.
• Develop methodologies for scalable decision-making, tool orchestration, and memory-based reasoning in agentic workflows.
• Collaborate with platform engineering and product teams to translate prototypes into reusable components and frameworks.
• Stay up to date with academic and industry research and help shape the adoption of cutting-edge ML techniques into PayPal’s ecosystem.

About You

• 2+ years of industry experience as a Machine Learning Engineer, ML Scientist, or in a similar applied role.
• Solid understanding of machine learning concepts, techniques, and frameworks (e.g., PyTorch, TensorFlow, XGBoost, scikit-learn).
• Familiarity with agent frameworks or agentic system design (e.g., ReAct, AutoGPT, OpenAgents, HuggingGPT, RAG), including use of tools, memory, and planning components.
• Familiar with LLM and agentic system performance evaluation.
• Proficient in Python, with experience in building production-quality software using object-oriented programming and software engineering principles.
• Curious and passionate about staying up to date with the latest ML research and best practices.
• Strong problem-solving and communication skills, with a collaborative mindset.
• Experience in multi-team or cross-functional collaboration is a plus.
• Master’s, or PhD degree in Computer Science, Engineering, or a related technical field (or equivalent industry experience).

Our Benefits:

Any general requests for consideration of your skills, please