PayPal Sr Analyst Credit Underwriting 

France, Auvergne-Rhône-Alpes 

277117878

What you need to know about the role-We are seeking a highly skilled and motivated Senior Analyst, Credit Underwriting to join our Holistic Onboarding and Underwriting team. The ideal candidate will play a key role in enhancing and streamlining customer onboarding and underwriting processes while ensuring compliance with regulatory requirements. The role requires strong analytical skills, industry knowledge and the ability to work cross-functionally with multiple stakeholders.

Job Description:

Asa Senior Analyst

Your day to day

In your day to day role you will...

• 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.
• Develop a holistic view of both individual sellers and merchants across industries by proposing appropriate recommendations to mitigate PayPal’s risk and manage seller experience.
• 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.
• Aid in the continuous improvement of PayPal processes and workflows by evaluating and sharing feedback on data, tools, processes, assessments and other methodologies.
• Stay current on merchant industry trends that impact the Commercial Merchant segment.
• Mentor and coach teammates and peers in work quality, deliver quality assessments and help develop skills. Review teammates work and provide signoff for decisions within authority level.
• Support, mentor and guide new and current analysts to ensure competency and knowledge of workflows and best practices.
• Work with the multiple sales teams by completing onboarding and/or account expansion reviews in a timely manner to enable growth.

• Respond, review and process requests for executive escalations and other high exposure cases.
• Participate in special assignments or projects relevant to managing and mitigating risk to PayPal and its merchants as needed.

What do you need to bring

• Bachelor’s degree in Finance, Economics, Business Administration, Accounting, or a comparable field, or equivalent work experience.
• 5+ years of professional experience in Commercial Lending, Commercial Underwriting, Credit Risk Assessment, Financial Statement Analysis.

• Relevant experience such as investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence.
• Proven ability to analyze large amounts of data to report critical information with a high attention to detail and create reports on 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.
• Engage with peers, all levels of management and other internal or external constituents to deliver comprehensive reviews and analysis.
• 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