Senior Credit Risk Manager - 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.

Job Summary: What you need to know about the role: As the owner of customer management risk strategies for the revolving PayPal Credit product in the UK, you will take full accountability for shaping and evolving how we lend. You will build upon existing frameworks to drive both growth and profitability, all while operating firmly within our defined risk appetite. Your insights and decisions will directly influence the performance of one of our flagship credit offerings.

Meet our team: You will join the Credit Risk team, whose remit is to define and govern the lending strategies and policies that guide how we serve over three million customers. We balance front-book initiatives-acquiring and underwriting new accounts-with back-book management-optimizing and remediating our existing portfolio-to fuel sustainable growth. Our collaborative, data-driven culture ensures that every strategy is both innovative and well-managed.

Your way to impact: You will own and deliver our end-to-end customer management risk strategies. From proposing innovative approaches and securing senior stakeholder buy-in to partnering with delivery teams on implementation, you will ensure these strategies drive measurable business outcomes. You will also continuously monitor performance, spot emerging issues, and lead remediation efforts to keep our risk framework robust and responsive.

Your day-to-day:

• Own all aspects of the customer management risk policy, working on projects from line changes and authorizations to payment holds and account closures, based on evolving business needs.
• Collaborate with product, data science, and finance partners to enhance underwriting models and optimize credit portfolio performance.
• Proactively surface emerging risks or opportunities and recommend mitigation strategies.
• Identify and integrate optimal data sources and process improvements to strengthen risk management, customer experience, and growth.
• Develop and maintain detailed KPI tracking to monitor the health of the credit card program and distill insights for stakeholders and senior leadership.
• Present regular business-health updates to senior management, highlighting successes, challenges, and actionable plans to address key issues.

What you need to bring:

• Expertise in Credit Risk Management: In-depth knowledge of credit performance, data providers, scoring models, and industry best practices.
• Advanced Analytics Expertise: Proficiency in SQL, Python, Advanced Excel, Tableau, and other analytics tools, with a proven track record of solving real-world problems.
• Data-Driven Decision-Making: Hands-on experience working with credit bureaus and other consumer data sources to drive strategic decisions.
• Exceptional Communication Skills: Outstanding written, verbal, and interpersonal 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: Proven ability to collaborate across teams, build relationships, and drive results through influence and teamwork.
• Flexibility & Prioritization: Highly adaptable, able to juggle multiple projects and deadlines to execute effectively in a fast-paced, rapidly evolving environment.
• SaaS Expertise: Strong understanding of SaaS solution RFPs, implementation, and ongoing management.
• HR Domain Experience: Experience supporting HR lines of business such as compensation, rewards, operations, and benefits.
• Educational Background: BS/BA in Business, Business Information Systems, Computer Science, or a related field.

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.

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.