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, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade.

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. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

Job Summary:

What you need to know about the role:
This role leads BNPL risk strategy governance, reviewing and approving proposals across credit, fraud, and collections to ensure alignment with PayPal’s risk appetite. It also owns the creation and maintenance of credit and collections policies, ensuring documentation is clear, consistent, and compliant.

Meet our team:
We sit within the Control and Governance function, driving oversight and consistency across credit products. We partner with business, risk, legal, and external stakeholders to govern risk strategies across Credit, Fraud, and Collections. Our work strengthens controls, safeguards product integrity, and ensures global regulatory readiness.

Your way to impact:
You will strengthen BNPL governance by reviewing, approving, and monitoring risk strategies in line with risk appetite and regulations. You’ll partner with Strategy, Legal, Compliance, and SLOD teams to enhance policies, improve controls, and ensure audit-ready documentation.

Job Description:

Essential Responsibilities:

• Identify issues and recommend best practices for internal control processes.
• Lead functional projects and programs to enhance internal control effectiveness.
• Partner with teams to analyze business trends and their impact on internal controls.
• Develop and implement strategies for process improvements within the internal controls function.
• Ensure compliance with laws and regulations through effective internal control measures.

Minimum Qualifications:

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

Your day-to-day:

In your day-to-day role, you will….

• Lead the development and maintenance of credit and collections policies, procedures, and governance artifacts, ensuring alignment with regulatory requirements and internal frameworks

• Coordinate end-to-end governance reviews for strategy proposals, facilitating stakeholder discussions and securing approvals through appropriate forums

• Partner with Strategy, Risk, Legal, and Compliance teams to assess risk alignment, identify mitigation actions, and ensure adherence to PayPal’s risk appetite

• Monitor strategy performance post-implementation, providing insights, tracking risks, and driving updates to policies, controls, and documentation

• Support audit and governance activities by maintaining accurate documentation, responding to audit requests, and implementing control enhancements

What do you need to bring:

• 6–8 years of experience in governance, risk management, or regulatory compliance within financial services, preferably in credit or lending products

• Strong understanding of regulatory requirements, risk frameworks, and internal control processes, with the ability to identify gaps and drive improvements

• Proven experience in policy development, documentation, and governance of strategy proposals across cross-functional teams

• Excellent analytical, problem-solving, and communication skills, with the ability to influence stakeholders and drive risk-aware decision-making

• Ability to manage multiple priorities in a fast-paced environment, with strong attention to detail and experience supporting audits and control reviews

Subsidiary:

PayPal

Travel Percent:

0

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes. Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately. To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact-us.

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:

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 paypalglobaltalentacquisition@paypal.com.

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 Join our Talent Community.

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