Credit Risk Governance

6 months ago

London, United Kingdom PayPal Full time

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives.

Job Description Summary: Oversight of credit related products in the UK market for the PPUK EMI Subsidiary with Credit Permissions (PPUK Ltd).

**Job Description**:

- Manage collections, consumer, and seller risk policy documents as well as policy change governance.
- Review collections policy and procedure changes with global credit risk and governance teams and present them to PayPal UK Ltd management for their decision on whether to approve.
- Interact with global credit collections team to monitor and provide feedback in the development and execution of collection policies and understand the drivers of the collections performance.
- Manage new product launch readiness projects from credit perspective as well as cross functionally across the PayPal UK Ltd.
- Monitor regulatory landscape to identify any emerging regulatory requirements and investigate potential gaps.
- Interact with the regulatory reporting team to oversee the forbearance and non-performing exposure reporting to FCA.
- Interact with the global credit, finance, and collections teams to monitor roll rate and loss forecasting and reserving process based on IFRS 9 accounting methodology.
- Interact with global credit control and operations teams to become aware of any operational issues as they arise and inform the PayPal UK Ltd management on root causes, remediation plans, financial impact, and preventive actions.
- Interact with global credit compliance and legal teams to confirm that the credit policies are compliant with applicable regulatory guidelines
- Interact with global credit risk team to monitor the performance of the risk decision models.
- Participate in credit audits and inspections to provide support to internal and external auditors and regulators as needed.
- Provide regular updates and serve as a key member of PPUK Operations and Outsourcing Committee.
- Prepare documentation and reporting related to Credit, including reporting to PPUK Operations and Outsourcing Committee, PPUK Risk and Compliance Committee, PPUK ExCo, and UK Board.
- In line with PPUK's Outsourcing Management framework, Entity Service Owner (ESO) responsible for overseeing and monitoring the performance against service levels for the outsourced business activities as identified by senior management.

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.

Who We Are:
As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.

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