Credit Risk Lead Analyst • AUS | London, UK

The Company 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. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.

Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do - and they push us to ensure we take care of ourselves, each other, and our communities.

Job Summary: As PayPal continues its mission to revolutionize commerce, we are looking for a skilled Credit Risk Lead Analyst to join our Buy Now Pay Later (BNPL) Risk Team, focusing on the Australia BNPL products. In this role, you will use data to drive key business decisions, optimize credit risk strategies, and help shape effective credit risk management at PayPal.

Your Way to Impact: 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.

We Believe in You: Ready to join our ride? Click "apply" or/and let’s talk - We can’t wait to hear from you!

Preferred Qualification: Subsidiary: PayPal Travel Percent: 0 For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

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. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you. We have great benefits including a flexible work environment, employee shares options, health and life insurance and more.

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. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities.

Belonging at PayPal: Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.