PayPal Sr Dir Head Merchant Lending Risk 

France, Occitania, Toulouse 

143709820

• all aspects of credit risk management for alldomestic and internationalmerchant lendingcredit products at PayPal, including acquisition credit policy (approve/decline, line assignment,etc.) andcustomermanagement (e.g.,re-engagement, refinancing

• unit economics modeling for allmerchant lendingcredit products at PayPal,leveragingaCLTV-basedframework tooptimizeoutcomes across the product lifecycle.

• credit-driven marketing programsformerchant lendingproducts, including deep engagement with marketing, pre-screen, and pre-approval campaigns.

• Partners withBusiness Unit,Data Science,Fraud, Second Line, Legal, Compliance, Marketing, Product, Engineering,Bank Partner,and other teams to optimizeoutcomes for PayPal and the customers of itsmerchant lendingproductsby influencing outcomes inmarketing programs,the application funnel,data and infrastructure, and machine learning modeling.

• maintainstesting frameworks toensure that sufficient data exists tooptimizefuture decisions across the credit lifecycle.

• Maintains a robust reporting framework to ensure that emerging trends are quickly detected and actioned upon, and to ensure that leadershipis aware of portfolio performance

• Manages the portfolio withinthe return requirements and risk appetite of PayPal and our bank partners

• Acts as the primary Credit Risk contact forthemerchant lendingportfolios

• Develops and manages strong working relationships withinternal and external

• Is the key conduit for their products into product, Collections, and Fraud strategy (asappropriate)

• Leads and develops a strong, analytical team to create, manage and refine credit policy and strategy.

• Coaches, motivates, challenges, andprovidesmanagerial guidance to the team. Develops and executes training and development programs for the team.

• Demonstrates a clear strategic vision to the team.

• Solves problems and makes decisions with sound judgement.

• Provides continuous feedback and completes formal performance evaluations.

• Values team recognition, diversity and creates an inclusive environment to celebrate the accomplishments of individual team members as well as the overall team.

• Is the preeminent authority on their products and presents, defends, and adjusts (as needed and within established credit risk tolerance guidelines) strategies and recommendations for optimization to the chief credit officer along with key internal partners.

• Is confident in decision making and actively contributes to decisions even if tangential to Credit risk.

• Bachelor’s degree in a quantitative or related field (e.g., Mathematics,Engineering,Data Science, Statistics, Economics, Finance, etc.) from an accredited college or university, preferred.

• Master's degree preferred

This role will also require you to own and deliver on a roadmap to bring best in class credit and underwriting practices formerchant lending

, managers, and directors,s growth goals in unsecured short- and long-term loans and make contributions at-scale.