PayPal Sr Analyst Credit Portfolio 

United States, New York, New York 

453079382

Capital Markets Analyst – Asset Backed Structured FinanceJob Summary

Essential Responsibilities:

• Perform lending activities using specialized domain knowledge and developed business expertise
• Lead projects and/or programs within the Credit Portfolio team with moderate scope impacting the Finance function
• Track credit quality, identify trends and make informed decisions within general parameters under broad supervision
• May act as a subject matter resource for entry level and developing colleagues

Expected Qualifications:

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

Essential Responsibilities

• Support the execution of PayPal’s asset backed structured products transactions, including structuring, cash flow modeling, and deal documentation.
• Perform in-depth portfolio analysis across PayPal’s consumer and merchant loan products to support funding strategy, risk assessment, and transaction readiness.
• Assist with the preparation of offering memoranda, investor presentations, rating agency packages, and internal investment committee materials.
• Develop and maintain tools, models, and dashboards to monitor loan-level performance,prepayment/charge-offdynamics, and transaction performance over time.
• Coordinate with external stakeholders (banks, investors, rating agencies, counsel) to facilitate smooth transaction execution and ongoing surveillance.
• Provide ongoing performance updates, collateral reporting, and analytical insights to internal teams and management to support decision-making.
• Partner across treasury, risk, finance, accounting, and product teams to align capital markets activities with company objectives and market dynamics.
• Stay abreast of ABS market developments, evolving investor preferences, and regulatory requirements to ensure best execution and compliance.

Minimum Qualifications

• 2–5 years of relevant experience in structured finance, capital markets, credit risk, or related fields at a bank, consulting firm, hedge fund, private equity firm, or loan originator.
• Bachelor’s degree in Finance, Economics, Accounting, Business, Mathematics, or related field.
• Solid understanding of structured finance products, particularly ABS, and familiarity with securitization structures, cash flow mechanics, and rating agency methodologies.
• Strong financial modeling and analytical skills, with proficiency in Intex, Excel and PowerPoint.

• Excellent organizational skills, attention to detail, and ability to manage multiple projects under tight timelines.
• Strong written and verbal communication skills for engaging cross-functional teams and external investors.

Preferred Qualifications

• Experience directly supporting ABS structuring, warehouse financing facilities, or whole-loan transactions for consumer and/or merchant assets.
• Working knowledge of SQL, Python, or other data tools to manage and analyze large loan-level datasets.
• Demonstrated track record presenting complex analyses to senior executives and external stakeholders.
• Collaborative mindset, with proven ability to work effectively across teams and adapt in a fast-paced, entrepreneurial environment.

Travel Percent:

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit .

The US national annual pay range for this role is $94,000 to $156,200

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Our Benefits:

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