Underwriter II- Portfolio Management
PayPal Inc.

Omaha, Nebraska

Posted in Call Centre and Customer Service


This job has expired.

Job Info


Who we are

Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (NASDAQ: PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal's 392 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom, enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.

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Job Description Summary:
PayPal is seeking a new Underwriter Level II to join our Portfolio Management Team, managing large global e-commerce merchants across many business models and credit and financial challenges. The ideal candidate has a strong business acumen with refined analytical skills, exemplary written and oral communication and collaboration skills. The ability to exercise sound judgment and be resourceful in all things is imperative to success as a Portfolio Management Underwriter.

Job Description:

OurPortfolio Management team is responsible forperforming Periodic Underwritingreviews ofexisting customers and mitigate deteriorating credit profiles. Rather than monitoring the same portfolio, we rotate underwriters reviewing each customer to ensure a fresh set of eyes are reviewing eachcase.Wecollaborate withour peers inNew Enterprise Underwriting (onboarding) andAccount Managersduring the Periodic Reviewsprocess.

Core Duties:
  • Assess business model risk and determine credit exposure risk on new or existing merchants to determine appropriate course of action
  • Prepare concise oral and written summary recommendations regarding findings, issues and mitigants to risks
  • Analyze financial, bank, and processing statements to assess credit worthiness
  • Prepare persuasive summaries to assess micro and macro risk. For large deals, present to a Global Credit Risk Committee.
  • Assist Account Management and Sales with customer calls requiring explanation of specific credit risks, internal credit policies and decisions related to those assessments/policies
  • Monitor and investigate merchants' credit card processing activities using internal and external Risk monitoring tools
  • Stay current on merchant industry trends specific to the industries we support
  • Interact with members of Special Credits team when dealing with companies whose credit profile is deteriorating to balance best outcome for customer relationship/loss avoidance
  • Assistand mentorteammates inwork quality,develop skills,merchant communication and callsand guidance.
  • Review teammates work and provide signoff for decisions withinassignedauthority levels.
  • Handle escalations for complex situations and high exposure cases as necessary.
  • Actively participate indaily stand ups and deal discussions with peers and leaders,providing constructive inputs and suggestions on teammates' cases, while also adopting amindset of learning andgrowth through discussion.
  • Facilitate or participate in special assignments or projects as needed and delegating efforts to teammates where applicable.


Requirements:
  • 4+ years of merchant service work experience related to merchant underwriting and/or commercial lending
  • Expertfinancial statement analysisandassessing creditexposure
  • Strong analytical skills- must be able to analyze complex data, draw meaningful conclusion, and make holistic business recommendations
  • Experience with concise written and oral presentations
  • Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, in a fast-paced environment
  • A highly analytical team player who loves to evaluate degrees of financial and credit risk
  • Ability to exercise sound judgment and be resourceful in all things
  • An acute sense of right and wrong with the calculations to back it up
  • Strong collaboration skills, and the ability to build rapport with members of other departments.
  • Leadership skills for guiding, supporting, coaching and mentoring peers
  • Ability to navigate difficult conversations and negotiate with clients on adverseissues
  • Familiarity with PayPal and the merchant processing industry, particularly risk and operational processes
  • BachelorsDegree inAccounting,Finance,Economics, Statistics,Mathematicsor equivalent experience required.

Extra Credit
  • Ability to debatepop culturetopicsbetweenmeetings
  • Minimumof 3 unique backgrounds forvideo calls
  • Strongmeme and GIFgame

Subsidiary:
PayPal

Travel Percent:
0

Primary Location:
Omaha, Nebraska, United States of America

Additional Locations:

We're a purpose-driven company whose beliefs are the foundation for how we conduct business every day. We hold ourselves to our One Team Behaviors which demand that we hold the highest ethical standards, to empower an open and diverse workplace, and strive to treat everyone who is touched by our business with dignity and respect. Our employees challenge the status quo, ask questions, and find solutions. We want to break down barriers to financial empowerment. Join us as we change the way the world defines financial freedom.

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.


This job has expired.

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