PayPal Credit Risk Lead Analyst • 

United Kingdom, England, City of London 

628572579

Job Description:

As the Credit Risk Lead Analyst for the Australia BNPL products, you will be an integral part of the European and Australian Buy Now Pay Later Risk Team. You will analyze consumer risk trends, recommend optimal credit risk strategies, and help optimize the BNPL funnel. This is a highly data-driven role in a high-impact credit risk organization, where your insights will drive business outcomes and improve the customer experience.

Your Day-to-Day

• Collaborate with P&L owners and stakeholders to analyze, propose, and implement effective strategies across the entire BNPL lifecycle.

• Assess the P&L impact of credit strategies , ensuring the optimal balance between risk and revenue.

• Provide leadership with insights on book quality , offering recommendations on risks and opportunities.

• Explore internal and external data sources to evaluate their potential contributions to the credit underwriting process.

• Partner with compliance and legal teams to ensure all credit strategies comply with applicable regulatory guidelines.

• Work closely with operations teams to assess the impact of credit strategies on customer communications and collections efforts.

What you'll need to succeed:

• Expertise in Credit Risk Management : In-depth knowledge of credit performance, data providers, scoring models, and industry best practices.

• Experience in Credit & Fraud Risk : Strong background in risk management and underwriting for consumer credit products (e.g., credit cards, installment loans, revolving credit), with a preference for fintech experience.

• Advanced Analytics Expertise : Proficiency in SQL, Python, Advanced Excel, Tableau, and other analytics tools, with a proven track record of using them to solve real-world problems.

• Data-Driven Decision-Making : Hands-on experience working with credit bureaus and other consumer data sources to drive strategic decision-making.

• Exceptional Communication Skills : Outstanding written, verbal, and interpersonal communication abilities, capable of translating complex technical concepts into clear, actionable insights for diverse audiences.

• Strategic & Creative Problem-Solving : Strong judgment and the ability to think strategically, creatively, and practically to address complex challenges.

• Collaboration and Influence : Strong ability to collaborate across teams, build relationships, and drive results through influence and teamwork.

Our Benefits:

Any general requests for consideration of your skills, please