Underwriting Jobs at Paypal, Dublin, Ireland

About position

The Paypal Service is seeking enthusiastic and caliber Commercial Underwriting Analysts. Generally, he/she will develop risk views of PayPal sellers through robust analysis, leveraging your strong business and financial acumen. And secondly, logical reasoning and communication skills to make clear recommendations for balanced and timely risk mitigation.

Key duties

• Timely assessments of merchant credit risk over the merchant life cycle.
• Develop a view of merchant financial health and any risk to PayPal’s operations.
• Also, analyze a wide range of data – business models, credit scores, external & internal processing data, peer comparisons, etc. to develop a view on a seller’s risk profile & PayPal relationship.
• Estimate financial exposures to PayPal and assess the need for and extent of risk mitigation measures.
• Where necessary, assess PayPal acceptable use cases, regulatory & credit card compliance, and legal considerations with respect to a seller or industry.
• Develop a holistic view of both individual sellers and across industries, proposing appropriate recommendations to mitigate PayPal’s risk and manage seller experience.
• Communicate professionally and effectively with cross-functional stakeholders on risk insights and recommendations.
• Maintain accurate and thorough documentation and audit trails of underwriting assessments, reports, methodologies, etc. in a timely manner. Also, monitor seller performance across portfolio segments if needed
• Evaluate and share feedback on data, tools, process and assessment methodologies for continuous improvement, aiding to develop & test solutions where suitable.
• In addition to that, perform other tasks and projects related to managing the financial risk of PayPal’s sellers.

Required skills and qualifications

• Minimum 2 years of experience in underwriting and credit risk assessment.
• Similarly, experience in financial statement analysis, financial modeling, forecasting, and valuation.
• Excellent communication skills (verbal as well as written). Also, an excellent team player.
• Credit underwriting, banking, and management consulting profiles are desirable.
• Ability to handle complex data and analytics to draw meaningful insights.
• Proactive self-starter with a sense of urgency and bias for action, in a fast-paced environment.
• Critical thinker and problem solver
• Knowledge of SQL is plus, but not essential.