Sr Analyst, Credit Underwriting

6 hours ago

Dublin Pike, Ireland PayPal Full time

Join to apply for the Sr Analyst, Credit Underwriting - Front Book role at PayPal
PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy.
We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.
We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards.
Job Description Summary: We are seeking a highly skilled and motivated Senior Analyst, Credit Underwriting to join our Holistic Onboarding and Underwriting team in Dublin. The ideal candidate will play a key role in enhancing and streamlining customer onboarding and underwriting processes while ensuring compliance with regulatory requirements.
Essential 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
Expected Qualifications: 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam.
Our Benefits: At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset-you. That’s why we offer benefits to help you thrive in every stage of life.
Commitment to Diversity and Inclusion 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.

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