Snr Analyst Credit Underwriting

Job Summary

This role involves independent collaboration to enhance credit processes and decision making. The analyst evaluates credit risk, oversees team performance, and utilizes data analysis to track credit quality, working outside defined processes to determine appropriate actions and ensure the effectiveness of credit management strategies while contributing to the overall efficiency of the credit portfolio.

Responsibilities

• Conduct timely assessments of merchant credit risk throughout the merchant life cycle
• Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
• Estimate financial exposure and recommend risk mitigation measures where necessary
• Communicate risk insights and recommendations effectively with cross functional stakeholders
• Maintain accurate documentation and audit trails of underwriting assessments
• Monitor portfolio segments and track seller performance to identify risks and opportunities
• Stay current on industry trends and credit risk best practices to inform decision making
• Facilitate or participate in special assignments and projects to support business initiatives

Qualifications

• 3+ years of relevant experience and a Bachelor's degree, or an equivalent combination of education and experience

EEO Statement

PayPal provides equal employment opportunity 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. PayPal will also provide reasonable accommodations for qualified individuals with disabilities.