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. 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:

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’ll 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’ll 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.

Job Description:

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’ll ensure these strategies drive measurable business outcomes. You’ll 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. To learn more about our benefits please visit https://www.paypalbenefits.com.

Who We Are:

Click Here to learn more about our culture and community.

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 talentaccommodations@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.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.