上海招聘

As a Commercial Underwriting Analyst, you will develop risk views of PayPal sellers through robust analysis, leveraging your strong business and financial acumen, logical reasoning and communication skills to make clear recommendations for balanced and timely risk mitigation.

RESPONSIBILITIES

o   Timely assessments of merchant credit risk over the merchant life cycle.

o   Analyze and interpret financial statements, developing a view of the merchants’ financial health and its implications to PayPal’s risk and seller relationships.

o   Analyze and interpret merchant & industry business models, credit reports, merchant processing history, internal PayPal data, background investigations, bank and trade references, etc. developing a view on their impact to PayPal risk and seller relationships.

o   Conduct merchant assessments in view of PayPal acceptable use cases, federal and state regulatory compliance, credit card compliance and legal considerations.

o   Estimate financial exposures to PayPal from sellers, using reasonable assumptions, and assess the need for and extent of risk mitigation measures. 

o   Develop a holistic point of view on assessed merchants, proposing appropriate recommendations for mitigating PayPal’s risk and managing seller experience.

o   Develop insights on merchants, sectors and markets based on assessments, peer analyses, etc.

o   Articulate recommendations and assessment drivers to stakeholders as needed (ex: risk management teams, business units, PayPal merchants, etc.). Communicate professionally and effectively with cross-functional stakeholders throughout.

o   Maintain accurate and thorough documentation and audit trails of underwriting assessments, reports, methodologies, etc. in a timely manner.

o   Monitor seller performance across portfolio segments, as needed

o   Provide feedback on data, tools and assessments for continuous improvement, along with on-going development of policies, products, tools, and procedures for process enhancement.

o   Support the planning, testing & adoption of new policies, processes, data sources, activities, tools, etc., providing timely and constructive feedback, collaborating with the relevant stakeholders.

o   Other opportunities & projects relevant to managing the financial risk of PayPal’s sellers

Skills: The right candidate would -

o   Have a college degree and/or professional qualification in Finance, Accounting, Business Administration or related fields

o   Have ~2-5 years of relevant experience, in underwriting or credit risk assessment, with experience in financial statement analysis, financial modeling, forecasting and valuation

o   Credit underwriting, banking and management consulting profiles are preferred.

o   Be comfortable with complex data and analytics to draw meaningful insights

o   Be a team player, with strong interpersonal & communication skills, both written and verbal

o   Be highly curious and thoughtful - a proactive self-starter with a sense of urgency and bias for action, in a fast-paced environment

o   Knowledge of SQL is a plus, but not essential. 

PayPal（纳斯达克股票代码：PYPL）坚持以人为核心。自1998年成立至今，PayPal一直致力于引领在线支付革新。去年我们处理的交易量达40亿笔，其中10亿笔为移动支付。PayPal帮助用户更有效地管理并支配资金，并可以使用多种方式进行支付或收款。PayPal在全球范围内已拥有超过1.69亿活跃账户，创造了一个开放且更安全的支付生态系统，消费者及商家之间可以安全地进行线上、线下及移动端的交易。PayPal是全球化的支付平台，服务遍及全球203个国家和地区，支持用户以100多种货币接收和支付款项，57种货币提现到银行账户，以及在PayPal账户中拥有26种不同货币的余额。欲了解更多PayPal相关信息，请访问about.paypal-corp.com。欲了解PYPL财务信息，请访问investor.paypal-corp.com。