Sr Analyst, Credit Underwriting
PayPal, Chicago, IL, United States
Job Summary
This job involves independent collaboration to enhance credit processes and decision-making. The analyst evaluates credit risk, oversees team performance, and utilizes data analysis to track credit quality. They work outside defined processes to determine appropriate actions, ensuring the effectiveness of credit management strategies while contributing to the overall efficiency of the credit portfolio.
Essential Responsibilities
Conduct timely assessments of merchant credit risk throughout the merchant life cycle
Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
Estimate financial exposure and recommend risk mitigation measures where necessary
Communicate risk insights and recommendations effectively with cross‑functional stakeholders
Maintain accurate documentation and audit trails of underwriting assessments
Monitor portfolio segments and track seller performance to identify risks and opportunities
Stay current on industry trends and credit risk best practices to inform decision-making
Facilitate or participate in special assignments and projects to support business initiatives
Minimum Qualifications
3+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.
Additional Responsibilities & Preferred Qualifications
A Bachelor’s degree in Finance, Legal, Criminal Justice or a comparable field, or equivalent work experience.
Minimum of 2 years’ professional experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence investigation or verifications, Credit Underwriting.
Proven ability to analyze large amounts of data, including numerical data to report on critical information.
Exceptional oral, written, and interpersonal communication skills with the ability to communicate complex information accurately, clearly, and quickly to all levels.
Ability to work efficiently with an attention to detail in investigations, analysis, and writing.
Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.
Interacts with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition.
High level of professionalism, self‑motivation, and sense of urgency.
Drive for Results.
Problem Solving.
Written Communications.
Compensation and Work Details
Travel Percent: 0%
Base pay ranges by location:
Chicago, Illinois: $89,000.00 - $127,600.00 annually
Scottsdale, Arizona: $84,500.00 - $121,000.00 annually
Omaha, Nebraska: $84,500.00 - $121,000.00 annually
Additional compensation may include an annual performance bonus, equity, or other incentive compensation.
Benefits
We offer comprehensive, choice-based programs, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.
Equal Employment Opportunity
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 paypalglobaltalentacquisition@paypal.com.
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This job involves independent collaboration to enhance credit processes and decision-making. The analyst evaluates credit risk, oversees team performance, and utilizes data analysis to track credit quality. They work outside defined processes to determine appropriate actions, ensuring the effectiveness of credit management strategies while contributing to the overall efficiency of the credit portfolio.
Essential Responsibilities
Conduct timely assessments of merchant credit risk throughout the merchant life cycle
Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
Estimate financial exposure and recommend risk mitigation measures where necessary
Communicate risk insights and recommendations effectively with cross‑functional stakeholders
Maintain accurate documentation and audit trails of underwriting assessments
Monitor portfolio segments and track seller performance to identify risks and opportunities
Stay current on industry trends and credit risk best practices to inform decision-making
Facilitate or participate in special assignments and projects to support business initiatives
Minimum Qualifications
3+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.
Additional Responsibilities & Preferred Qualifications
A Bachelor’s degree in Finance, Legal, Criminal Justice or a comparable field, or equivalent work experience.
Minimum of 2 years’ professional experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence investigation or verifications, Credit Underwriting.
Proven ability to analyze large amounts of data, including numerical data to report on critical information.
Exceptional oral, written, and interpersonal communication skills with the ability to communicate complex information accurately, clearly, and quickly to all levels.
Ability to work efficiently with an attention to detail in investigations, analysis, and writing.
Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints.
Interacts with peers and financial crimes risk professionals, all levels of management, and other internal or external constituents to deliver comprehensive views on investigative and intelligence matters and represent reasoning of case disposition.
High level of professionalism, self‑motivation, and sense of urgency.
Drive for Results.
Problem Solving.
Written Communications.
Compensation and Work Details
Travel Percent: 0%
Base pay ranges by location:
Chicago, Illinois: $89,000.00 - $127,600.00 annually
Scottsdale, Arizona: $84,500.00 - $121,000.00 annually
Omaha, Nebraska: $84,500.00 - $121,000.00 annually
Additional compensation may include an annual performance bonus, equity, or other incentive compensation.
Benefits
We offer comprehensive, choice-based programs, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.
Equal Employment Opportunity
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 paypalglobaltalentacquisition@paypal.com.
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