UK BNPL Growth Lead - Consumer Strategy & Partnerships

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: This role focuses on growing PayPal's BNPL adoption among UK consumers. You'll work at the intersection of product, marketing, and analytics to drive customer acquisition, engagement, and retention for our existing Pay Later product and future BNPL offerings. You'll be the voice of the consumer within the BNPL team, ensuring our products and go-to-market strategies resonate with target audiences.

Essential Responsibilities:

• Drive revenue growth and global market expansion by identifying and cultivating strategic partnerships, channels, and opportunities.
• Lead the negotiation with external partners and engage cross-functional support colleagues to ensure the successful delivery of solutions for large complex partnerships.
• Shape long-term commercial strategy by assessing market dynamics, competitive positioning, and partnership performance to prioritize high-impact growth opportunities.
• Establish scalable partnership frameworks and operating models that streamline execution, enhance collaboration across teams, and ensure consistent delivery of partner value.
• Align product and business levers (such as pricing and FX) to maximize revenue and market expansion opportunities.
• Partner cross-functionally with Product, Design, and Research teams to translate business priorities into scalable solutions — ensuring the technical design and implementation align with growth, commercial, and customer experience objectives.
• Represent the end customer on an ongoing basis and use this knowledge to drive effective prioritization and decision-making.
• Collaborate and influence product outcomes in a matrix organization with multiple stakeholders such as Engineering, Operations, Risk, Legal, Sales, Business Development, Marketing, Finance, and Banking Partners.

Minimum Qualifications:

• 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications:

• Develop and refine consumer audience frameworks and segmentation strategies to target high-value BNPL customers.
• Partner with Analytics to analyse customer behaviour, conversion funnels, and product adoption patterns, translating insights into actionable recommendations.
• Collaborate with Marketing to plan and execute consumer-facing campaigns for Pay in 3 and future BNPL products.
• Support the development of messaging, positioning, and value propositions tailored to UK consumer segments.
• Coordinate go-to-market activities for new BNPL product launches, ensuring consumer readiness and seamless execution.
• Work with Product teams to advocate for consumer needs, providing input on user experience, onboarding flows, and approval processes.
• Identify and execute initiatives to improve approval rates, reduce friction, and increase conversion across the customer journey.
• Define and track consumer KPIs (acquisition, activation, repeat usage, NPS) and provide regular reporting to senior leadership.
• Partner with Compliance to ensure consumer communications and campaigns meet FCA and Consumer Duty requirements.
• Liaise with Customer Service to understand and address consumer feedback, feeding insights back into product and marketing strategies.

What you need to bring:

• Significant experience in consumer marketing, product marketing, or growth roles within BNPL or consumer credit.
• Proven track record of driving customer acquisition, engagement, and retention for BNPL or installment products.
• Strong understanding of the UK BNPL and consumer finance landscape, including key players, customer segments, and market dynamics.
• Expertise in audience segmentation, campaign planning, and GTM execution.
• Excellent analytical skills, with the ability to leverage data to inform decisions and measure impact.
• Experience collaborating across Marketing, Product, and Analytics teams to deliver integrated initiatives.
• Strong communication skills with the ability to distil complex insights into clear, compelling recommendations.
• Understanding of UK consumer credit regulations and responsible lending principles a plus.
• Ability to work in a dynamic, fast-paced environment and manage multiple priorities effectively.

Competencies:

• Customer-obsessed with a deep curiosity about consumer behaviour and motivations.
• Innovative thinker with a proactive approach to identifying growth opportunities.
• Strong analytical mindset balanced with creative problem-solving.
• Excellent influencing and relationship-building skills across functions.
• High integrity and commitment to regulatory compliance and responsible practices.
• Collaborative and adaptable, with a willingness to roll up sleeves and get things done.

Travel Percent: 0

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes. Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately.

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 comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

Who We Are: 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. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at paypalglobaltalentacquisition@paypal.com.

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.