PayPal is seeking a senior compliance professional to serve as a subject matter expert in Credit Risk and Fair Lending oversight. This role operates within the Second Line of Defense (SLOD) and provides independent risk assessment and advisory support across consumer credit products and decisioning frameworks. The Sr. Manager will partner cross-functionally with Product, Credit Risk, Legal, and Operations to ensure responsible, compliant, and customer-centric lending practices. This position requires deep regulatory knowledge, strong analytical capability, and the ability to influence outcomes in a fast-moving, technology-enabled financial services environment.
Essential Responsibilities:
Minimum Qualifications:
Additional Responsibilities & Preferred Qualifications:
Provide subject matter expertise in fair lending and credit risk compliance across the credit lifecycle (marketing, underwriting, pricing, servicing, and automated decisioning).
Conduct risk-based compliance assessments and deliver independent review and credible challenge of credit policies, strategies, models, and segmentation approaches.
Evaluate new products, model changes, and business initiatives for regulatory, consumer protection, and fair lending risk.
Support and enhance monitoring and testing activities, including review of statistical analyses, performance trends, and exception reporting.
Translate regulatory requirements (e.g., ECOA/Reg B, FHA, UDAAP, FCRA, HMDA) into clear, actionable guidance for stakeholders.
Support regulatory examinations, internal audits, and remediation efforts.
Prepare concise, executive-ready reporting on risk themes, control effectiveness, and mitigation strategies.
Contribute to strengthening governance frameworks and global compliance processes.
Provide second-line oversight of AI- and model-driven credit decisioning, ensuring appropriate controls for fairness, bias mitigation, explainability, and performance monitoring.
Partner with Data Science and Model Risk to assess disparate treatment and disparate impact risk and support responsible AI standards in consumer lending.
Experience supporting Buy Now, Pay Later (BNPL) products and oversight programs
Experience operating in a global, technology-enabled financial services organization.
CRCM or comparable compliance certification.
Experience with statistical Fair Lending testing methodologies (e.g., regression analysis, matched-pair concepts, portfolio segmentation monitoring).
Experience overseeing AI/ML models in financial services, including familiarity with model governance and risk management principles.
Direct experience with digital lending, embedded finance, BNPL, revolving credit, or installment products.
Advanced degree in Law, Business, Finance, Risk Management, Data Analytics, or related field.
Sr. Manager, Compliance Credit Risk & Fair Lending • Scottsdale, AZ, United States
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