At a Glance
- Tasks: Lead credit risk strategy for innovative BNPL products in Italy.
- Company: Join PayPal, a global leader in revolutionising commerce.
- Benefits: Flexible hybrid work model, generous paid time off, and comprehensive health coverage.
- Other info: Diverse and inclusive workplace focused on employee wellbeing and growth.
- Why this job: Make a real impact on financial solutions while working with cutting-edge data science.
- Qualifications: 3+ years experience in credit risk and a relevant degree.
The predicted salary is between 59400 - 72600 £ per year.
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.
Job Summary: Credit Risk Lead for Buy Now Pay Later (BNPL) Italy, part of the Southern Europe BNPL Risk Team. This role will lead credit risk strategy across all Italian BNPL products (Pay in 3, Pay Monthly, and Pay Later 2 Go), owning underwriting, rule writing, portfolio performance, analytics, and CLTV modelling, while providing local oversight of Italy’s consumer credit regulatory requirements (including CCD2 and Bank of Italy).
Essential Responsibilities:
- Lead the development and implementation of advanced data science models.
- Collaborate with stakeholders to understand requirements.
- Drive best practices in data science.
- Ensure data quality and integrity in all processes.
- Mentor and guide junior data scientists.
- Stay updated with the latest trends in data science.
Minimum Qualifications:
- 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
Additional Responsibilities & Preferred Qualifications:
- Lead credit risk strategy across all Italian BNPL products, owning underwriting, rule writing, and portfolio performance across the customer lifecycle.
- Work with P&L owners and other stakeholders to analyze, propose, and implement robust credit strategies, and measure their P&L impact to optimize the mix of risk and revenue.
- Build and maintain analytics and CLTV models to guide growth, pricing, and risk appetite decisions.
- Monitor Italian consumer risk trends and loss patterns, and share insights with leadership on book quality, risks, and opportunities.
- Evaluate and manage internal and external data sources, including Italian credit bureaus and other data providers, and assess their contribution to the underwriting process.
- Partner with Compliance and Legal to ensure credit strategies meet Italian consumer credit regulatory requirements, including CCD2.
- Work with Operations and Collections teams to understand and shape the impact of credit strategies on customer communication and collections outcomes.
- Partner with Product and Finance on new product, partner, and channel expansion in Italy, leading the credit risk assessment and strategy.
Hybrid Work Model: 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.
Our Benefits: At PayPal, we’re committed to building an equitable and inclusive global economy. We offer comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial.
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.
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.
Sr Credit Risk Analyst in London employer: PayPal, Inc.
PayPal is an exceptional employer, offering a dynamic work culture that prioritises inclusion, innovation, and employee wellness. With a strong focus on personal and professional growth, employees benefit from comprehensive wellbeing programs, generous paid time off, and a balanced hybrid work model that fosters collaboration while allowing flexibility. Located in the vibrant city of London, this role as an Account Manager for Zettle provides the opportunity to engage with a diverse range of small and medium-sized businesses, making a meaningful impact in their success.
StudySmarter Expert Advice🤫
We think this is how you could land Sr Credit Risk Analyst in London
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We think you need these skills to ace Sr Credit Risk Analyst in London
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