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. 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.
Job Description Summary:
The PayPal Global Merchant Lending Finance Team is responsible for managing the finances and forecasting the performance of credit products and initiatives for Merchants. The Financial Analyst, Global Merchant Lending will support the financial planning process, which includes near term forecasting, annual planning, strategic planning, and global expansion initiatives for the PayPal Working Capital Program.
Job Description:
Specific responsibilities include:
* Provide meaningful daily, weekly, monthly analysis of trends vs. expectations
* Research and review portfolio activity to measure and map asset performance. Identify trends to support forecast assumptions, model inputs and perform attribution analysis
* Updating key financial models and creating new financial models from scratch – including loan portfolio models, pricing models, deal models, etc.
* Convert business questions into analytical problems and provide solutions through data analyses
* Assist with developing the near-term and long-term business planning assumptions and pro forma financial statements
* Assist with business case development for new product launches and product changes
* Provide insights and input into the annual plans and monthly forecasts for loan volume, revenue, fees, losses, loss provision, and operating expenses
* Unit cost analysis
* Partner with the Marketing team to develop marketing channel P&Ls to support management initiatives, incremental spend opportunities and facilitate decision-making
* Liaise closely with Risk, Accounting Policy, Credit Controllership, Legal and Compliance to ensure integrity and alignment around financial processes and controls
* Partner with Credit Finance team to envision, define, and drive opportunities for technology and process improvements.
Capabilities - Applicants should have the following capabilities:
* Strong data analysis skills, but also synthesize the big picture by identifying connections and relationships in data
* Communicate complex concepts and the results of the analyses with clear and effective communication and visualization
* Takes pride in having an impact across the organization by providing thoughtful, objective, and unbiased financial analysis and feedback on business strategy, product and operations.
* Working with large volumes of data using excel, SQL, Essbase.
* Takes ownership of tasks and problems, committed to delivering quality results and overcoming challenges in a time-sensitive environment.
* Controls-focused in supporting and extending repeatable, documented processes that ensure accurate and consistent deliverables.
* Polished interpersonal and collaboration skills, including an ability to listen to needs of the business and comprehend complex matters.
* Ability to self-manage multiple projects under pressure with changing priorities.
* Relentless attention to detail and accuracy.
Qualifications
* 3-5 years of progressive Credit/FP&A/Finance career experience (corporate FP&A, strategic finance, financial reporting)
* Advanced proficiency in MS Excel and PowerPoint
* Experience with financial modeling, scenario analysis, and sensitivity analysis
* Comfortable working with large data sets
* Experience working in Credit, Lending, or Banking industry is a plus
* Demonstrated track record of identifying and implementing process improvements
* Must be proactive, resourceful, and demonstrate intellectual curiosity
Preferred Qualifications
* 3+ years of experience at a firm in the Fintech, corp finance, banking, or credit card industry
* An advanced degree in Finance, Accounting, Management Information Systems, Business Administration, Analytics, or a related field
* Strong experience building and maintaining complex financial models
* Experience leading teams in a matrix environment
* Experience leading, managing, and analyzing financial planning and analytics (FP&A) processes
* Comprehensive knowledge of US GAAP (specifically loan accounting a plus)
* Experience using SQL & VBA; Essbase
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