Sr Analyst, Credit Underwriting

Description

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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

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

What you need to know about the role-

We are seeking a highly skilled and motivated Senior Analyst, Credit Underwriting to join our Holistic Onboarding and Underwriting team. The ideal candidate will play a key role in enhancing and streamlining customer onboarding and underwriting processes while ensuring compliance with regulatory requirements. The role requires strong analytical skills, industry knowledge and the ability to work cross-functionally with multiple stakeholders.

Meet our team
You will join PayPal’s Holistic Onboarding and Underwriting Americas team. You will partner with your teammates and other business stakeholders to ensure that risk to PayPal and its merchants are mitigated.

Primary Location | Pay Range:

Chicago, Illinois | ($89,000 - $127,600 Salary/Annual)

Additional Location(s) | Pay Range:

Arizona (Virtual) | ($84,500-$121,000 Salary/Annual)

Omaha, Nebraska | ($84,500-$121,000 Salary/ Annual)

Subsidiary:

PayPal

Travel Percent:

0

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit .

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 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:

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 .

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 .

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