Director - Credit Risk Strategy


April 7, 2021

Timonium, MD 21093, US

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: Head of Credit Risk strategies for US PayPal Credit Product. PayPal has a partnership with Synchrony Financial (SYF) to underwrite PayPal-branded credit products. SYF and PayPal Credit ("PPC") are jointly responsible for managing the risk throughout the lifecycle of these credit products. This is an exciting organization where the contributions by the team members directly impact SYF’s and PayPal's bottom lines and create experiences that our customers love. This position will lead the team responsible for creating and optimizing the full lifecycle of credit risk strategies jointly with our bank partner.
Job Description:
  • Partner externally and internally to ensure success (bank partner, vendors, strategy, marketing, finance, product, PMO, tech, legal, compliance, etc.)
  • Manage a team of risk managers/analysts
  • Analyze customer level information to determine the effectiveness of credit policies and recommend necessary changes to improve profitability
  • Innovative use of data and processes to design, implement, and improve risk management strategies and the customer experience
  • Determine new and innovative data sources for underwriting
  • Work with Global Data Sciences team to deploy best-in-class machine learning risk models
  • Set/manage to risk appetite while optimizing for profitability

  • 10+ years related experience
  • 5+ years supervisory experience
  • Master's degree in Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline or equivalent experience
  • Must be an intuitive, organized, and analytical thinker, with the ability to perform detailed analysis
  • Strong written, oral, and interpersonal skills a must
  • Must be able to apply articulate thought leadership, gain and maintain senior leadership trust, and navigate ambiguous situations successfully

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.