Financial Analyst, Merchant Lending Specialist

4 weeks ago

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

We operate a global network that connects merchants and consumers, facilitating transactions and payments. At PayPal, we offer our customers flexibility in using their accounts to purchase and receive payments, as well as transferring and withdrawing funds.

Our beliefs guide our business conduct every day, and we live 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.

  • Provide daily, weekly, and monthly analysis of trends vs. expectations
  • Research and review portfolio activity to measure and map asset performance, identifying trends to support forecast assumptions and model inputs
  • Update key financial models and create new financial models from scratch, including loan portfolio models, pricing models, and deal models
  • Convert business questions into analytical problems and provide solutions through data analysis
  • Assist with developing 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 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 and incremental spend opportunities
  • Liaise closely with Risk, Accounting Policy, Credit Controllership, Legal, and Compliance to ensure integrity and alignment around financial processes and controls
  • Partner with the Credit Finance team to envision, define, and drive opportunities for technology and process improvements

Key Responsibilities:

  • Strong data analysis skills, synthesizing the big picture by identifying connections and relationships in data
  • Communicate complex concepts and analysis results 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, and Essbase
  • Takes ownership of tasks and problems, committed to delivering quality results and overcoming challenges in a time-sensitive environment
  • Ability to self-manage multiple projects under pressure with changing priorities

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;

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