PayPal Compliance Manager PayPal Europe 

Luxembourg, Luxembourg 

852039372

What You Need: 5-10 years of banking compliance experience with credit compliance expertise. Strong knowledge of European credit regulations (CCD/CCD II, BNPL frameworks). Fintech or digital lending experience highly valued. Fluent English required; French, German, Italian, or Spanish a significant advantage.

Essential Responsibilities:

• Identify issues and recommend best practices for risk management within the organization.
• Lead functional projects and programs that enhance risk assessment and mitigation efforts.
• Collaborate with teams to analyze business trends and their implications for risk management.
• Contribute to process improvements that enhance the effectiveness of risk management strategies.
• Provide guidance and support to team members in executing risk management initiatives.

Expected Qualifications:

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

Credit Compliance Advisory & Product Governance

• Lead credit compliance advisory for new and modified credit products (BNPL, merchant credit, payment innovations), ensuring compliance with Consumer Credit Directive (CCD) and national consumer protection frameworks
• Review and approve credit-related business initiatives, providing guidance on creditworthiness assessments, responsible lending, disclosure requirements, and customer protection standards
• Advise on credit risk strategies (underwriting, fraud management, collections, asset sales) and oversee compliance of customer-facing content across multiple European jurisdictions

Regulatory Change Management & Horizon Scanning

• Monitor and assess emerging credit regulations (including CCD II implementation and national transpositions) ensuring timely integration into operational processes
• Collaborate with Regulatory Change Management to scope and implement credit-related regulatory developments
• Provide subject matter expertise on European credit regulations to internal stakeholders

Compliance Oversight & Monitoring

• Support oversight of key credit compliance processes including issue management, incident reporting, complaints handling, and regulatory reporting
• Contribute to Second Line Testing program through risk-based testing and thematic reviews of high-risk areas
• Monitor credit-related incidents and issues, ensuring root cause analysis, remediation, and reporting through governance forums (Credit Risk Committee, Operations Compliance and Risk Committee)

Stakeholder Engagement & Governance

• Build strong relationships with First Line business owners (Credit Risk, Collections, Product, Business Development) and cross-functional stakeholders (Credit Legal, First Line of Defense Risk & Control)
• Prepare Management Information materials and present credit compliance updates to governance forums and senior leadership
• Support internal and external audit exercises and coordinate remediation of audit findings

Required Qualifications

• 8-10 yearsof compliance experience in banking/financial services withsignificant credit compliance expertise(consumer credit, lending regulations, responsible lending, underwriting, collections)
• Deep understanding ofEuropean credit regulations(CCD/CCD II, national consumer protection laws, BNPL frameworks)
• Experience withfintech, digital lending, or BNPL productshighly valued

Technical Knowledge

• Strong knowledge ofbanking regulations and CSSF supervisory expectations(particularly Circular 12/552)
• Understanding ofthree lines of defense modeland second line compliance oversight
• Knowledge of regulatory change management and horizon scanning methodologies

Skills & Competencies

• Excellent analytical and risk assessment skills with business-oriented approach
• Strong stakeholder management and cross-functional collaboration capabilities
• Exceptional communication skills inEnglish; proficiency inFrench, German, Italian or Spanishis a significant advantage
• Ability to manage multiple priorities in a fast-paced, dynamic environment

Our Benefits:

Any general requests for consideration of your skills, please