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For Companies At a Glance
- Tasks: Analyse consumer risk trends and optimise credit risk strategies for BNPL products.
- Company: Join PayPal, a leader in global commerce, empowering millions to thrive in the economy.
- Benefits: Enjoy flexible work options, employee shares, health insurance, and more.
- Why this job: Make a real impact with data-driven decisions in a collaborative and innovative environment.
- Qualifications: Expertise in credit risk management and advanced analytics tools like SQL and Python required.
- Other info: Hybrid work model with 3 days in-office and 2 days remote.
The predicted salary is between 48000 - 72000 £ per year.
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.
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.
Ready to join our ride? Click "apply" or/and let’s talk – We can’t wait to hear from you!
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.
Credit Risk Lead Analyst • AUS employer: PayPal
Contact Detail:
PayPal Recruiting Team
talentaccommodations@paypal.com
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Lead Analyst • AUS
✨Tip Number 1
Familiarise yourself with PayPal's Buy Now Pay Later (BNPL) products and their specific risk management strategies. Understanding the nuances of these products will help you demonstrate your expertise during discussions with the hiring team.
✨Tip Number 2
Network with current or former employees in similar roles at PayPal. Engaging with them can provide valuable insights into the company culture and expectations, which you can leverage in your conversations during the interview process.
✨Tip Number 3
Brush up on your analytical skills, particularly in SQL and Python, as these are crucial for the role. Consider working on a small project or case study that showcases your ability to analyse credit risk data effectively.
✨Tip Number 4
Prepare to discuss real-world examples of how you've successfully implemented credit risk strategies in the past. Being able to articulate your thought process and outcomes will set you apart from other candidates.
We think you need these skills to ace Credit Risk Lead Analyst • AUS
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities and requirements of the Credit Risk Lead Analyst position. Tailor your application to highlight relevant experience in credit risk management and analytics.
Highlight Relevant Skills: In your CV and cover letter, emphasise your expertise in credit risk management, advanced analytics tools like SQL and Python, and your ability to communicate complex ideas clearly. Use specific examples from your past work to demonstrate these skills.
Craft a Compelling Cover Letter: Your cover letter should not only express your enthusiasm for the role but also explain how your background aligns with PayPal's mission and values. Mention your experience in fintech and how it relates to the Buy Now Pay Later products.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any spelling or grammatical errors. A polished application reflects your attention to detail and professionalism, which are crucial in a data-driven role.
How to prepare for a job interview at PayPal
✨Showcase Your Data Skills
As a Credit Risk Lead Analyst, you'll be expected to demonstrate your proficiency in SQL, Python, and other analytics tools. Be prepared to discuss specific projects where you've used these skills to solve real-world problems, as this will highlight your technical expertise.
✨Understand the BNPL Landscape
Familiarise yourself with the Buy Now Pay Later (BNPL) products and their impact on consumer behaviour. Being able to discuss current trends and challenges in the BNPL space will show your genuine interest in the role and the industry.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving abilities and strategic thinking. Prepare examples of how you've approached complex challenges in credit risk management, focusing on your analytical process and the outcomes of your decisions.
✨Emphasise Collaboration Skills
PayPal values teamwork and collaboration. Be ready to share experiences where you've successfully worked with cross-functional teams, particularly in risk management or compliance, to achieve common goals. This will demonstrate your ability to influence and drive results through teamwork.
