Credit Risk Policy Governance Analyst


April 1, 2021

Who we are: Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (NASDAQ: PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal’s 375 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.
Job Description Summary: PayPal’s Global Credit Policy team is seeking a Credit Policy Governance Analyst to manage the full life cycle of Credit Policy Change management. This position will work closely with the Credit Risk Policy Management team to understand their strategies, goals and key objectives. As a Credit Risk ICP (Internal Control Partner) the analyst will manage product specific credit risk initiatives to ensure accurate documentation of strategy enhancements, the socialization of changes with key stakeholders for approval, and practices align with partner bank expectations. The Policy Governance Analyst will be responsible for both internal and external relationship management activities to include multi-bank partnerships. Role Responsibilities • Develop and maintain relationships with the Global Credit Risk Policy teams to understand and support the documentation of underwriting, portfolio management and fraud risk policies. • Coordinate the review / approval process for new initiatives, procedures, or changes to existing strategies between our bank partners, Legal, Compliance and Sr. Management to identify any potential risks that may impact project and/or business timelines. • Manage the relationships between bank partners and appropriate internal stakeholders through regular cadences to socialize Credit Risk Management roadmaps and initiatives • Represent risk management in internal project meetings to provide status updates on internal and external approval process as it relates to each initiative. • Ensure all bank reporting and deadlines are met in accordance with contracts, amendments and SLA’s. • Ensure all bank testing and oversight requirements are met, including but not limited to, on-site and remote activities. • Represent Credit Risk as the First Line of Defense (FLOD) for all product specific testing, audit and external exam related engagements. • Provide weekly and monthly reporting to the Credit Risk team to include updates on initiatives throughout the approval process and any potential risks that may impact timelines. • Cross collaborate with the Credit Policy Governance team to ensure all components of the Credit Policy Governance Framework are engaged throughout the policy governance lifecycle.
Job Description:
Role Requirements
  • Consumer Credit Risk Management Experience
  • Relationship Management experience within a compliance and/or consumer banking environment
  • High energy, strong work ethic, action oriented and results driven.
  • Demonstrates the value of being a team player working across cross-functional teams.
  • Excellent written, communication, presentation and interpersonal skills. Solid analytical, problem solving and critical thinking skills
  • Strong project management skills; prioritization, decisioning and task management skills with attention to detail and a strong focus on deliverables with time limitations.
  • Must have the ability to troubleshoot complex issues, to provide potential solutions, to track issue status, and to report findings to external partners, peers, management and cross-functional teams.
  • Proven ability to interact with technical project leads, developers, quality assurance, and business team members.
  • Proficient in MS OFFICE.
  • 4+ years of relevant work experience.
  • Bachelor’s degree required.

Our world-class culture is something we’re proud of. We’re committed to creating a thriving and inclusive workplace with great benefits including:
  • ICICI Lombard Health Care medical plan
  • Dental and vision
  • Claims process
  • Help with your medical plan
  • Group personal accident insurance
  • Group term life insurance
  • Group critical illness insurance
  • Business travel insurance
  • Gratuity scheme
  • Employee Stock Purchase Plan
  • National pension scheme
  • Time off and leaves
  • Disability leave
  • Employee Assistance Programme
  • Manage stress
  • Adoption assistance
  • Childcare@PayPal
  • Eldercare@PayPal
  • PayPal Gives
  • Healthy eating at PayPal
  • Performance-based awards
  • Educational Assistance Programme
  • Telecommuting and flexi-work arrangements
  • Family support
  • Support for new parents
  • Developmental assistance

We're a purpose-driven company whose beliefs are the foundation for how we conduct business every day. We hold ourselves to our One Team Behaviors which demand that we hold the highest ethical standards, to empower an open and diverse workplace, and strive to treat everyone who is touched by our business with dignity and respect. Our employees challenge the status quo, ask questions, and find solutions. We want to break down barriers to financial empowerment. Join us as we change the way the world defines financial freedom.
PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities.