Global Merchant Lending Finance Expert

7 days ago


London, Greater London, United Kingdom PayPal, Inc. Full time

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.

Our core values of Inclusion, Innovation, Collaboration, and Wellness guide our daily business conduct. We strive to provide our customers with 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.

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 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.

  • Provide meaningful daily, weekly, and 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
  • Update key financial models and create new financial models from scratch, including loan portfolio models, pricing models, deal models
  • 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.


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