PayPal Director Credit Underwriting 

France, Occitania, Toulouse 

931701492

We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.

What you need to know about the role-As Director of Credit Underwriting, you will define streamlined risk controls and review processes, lead cross-functional collaboration to assess and mitigate industry-specific risks, and establish global standards for holistic risk management. Success in this role requires strong organizational and communication skills, along with a proven ability to drive change in a fast-paced, complex environment. The ideal candidate is a seasoned risk and underwriting leader with deep expertise in merchant onboarding and the payments ecosystem.

Your way to impact

• Create and implement cross-functional coordination and engagement strategies to drive key business enablement initiatives, including revising merchant risk deal guidance, instrumenting in appropriate tools and developing cross-skilling initiatives to further efforts to manage risk across multiple dimensions
• Work closely with second line Financial Risk Oversight teams to help implement risk appetite statements and metrics, escalation and approval paths to optimize for effectiveness and efficiencies in managing risks of both front and back book merchants
• Provide subject matter expertise and tailored deal guidance for complex global merchant onboarding opportunities, including briefings for senior leadership and direct merchant advisory discussions where appropriate
• Support the growth, development and ongoing education for the broader underwriting team executing against deal guidance and program implementationstrategies
• Identify control opportunities for new and existing industry verticals orcapabilities
• Partner with technology teams to oversee requirements and the development of tools to support enhanced risk reviews and decision-making

Your day to day

In your day to day role you will...

• Navigate global regulatory changes by partnering with legal, compliance, and regional teams.
• Collaborate cross-functionally to align on complex risk issues and drive solutions.
• Bridge current-state gaps with agile, scalable strategies under tight deadlines.
• Communicate clearly with executives and regulators; deliver precise execution in fast-paced environments.

What do you need to bring

• 10+ years of experience in underwriting and risk management in the payments industry
• 5+ years of leadership experience, including managing teams of 10 or more people
• Excellent analytical skills and ability to identify and mitigate risk
• Strong communication and interpersonal skills, with the ability to build relationships and influence others
• Extensive knowledge of industry regulations and compliance requirements
• Experience with complex merchant underwriting, including deal structuring and risk assessment
• Experience working with external stakeholders, including financial partners and merchants

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 U.S. national annual pay range for this role is

$118700 to $246290

Our Benefits:

Any general requests for consideration of your skills, please

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