Senior Analyst, Credit Underwriting

PayPal

Analyst evaluating credit risk and overseeing team performance for PayPal's credit processes. Utilizing data analysis for credit quality and management strategies.

Posted 4/23/2026full-timeChicago • Arizona, Illinois, New York • 🇺🇸 United StatesSenior💰 $84,000 - $127,600 per yearWebsite

About the role

Key responsibilities & impact

Conduct timely assessments of merchant credit risk throughout the merchant life cycle
Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
Estimate financial exposure and recommend risk mitigation measures where necessary
Communicate risk insights and recommendations effectively with cross-functional stakeholders
Maintain accurate documentation and audit trails of underwriting assessments
Monitor portfolio segments and track seller performance to identify risks and opportunities
Stay current on industry trends and credit risk best practices to inform decision-making
Facilitate or participate in special assignments and projects to support business initiatives

Requirements

What you’ll need

3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
A Bachelor’s degree in Finance, Legal, Criminal Justice or a comparable field, or equivalent work experience.
Minimum of 2 years’ professional experience conducting research and investigations related to Fraud, Anti-Money Laundering, Customer/Enhanced Due Diligence investigation or verifications, Credit Underwriting
Proven ability to analyze large amounts of data, including numerical data to report on critical information
Exceptional oral, written, and interpersonal communication skills with the ability to communicate complex information accurately, clearly, and quickly to all levels
Ability to work efficiently with an attention to detail in investigations, analysis, and writing
Ability to understand opposing points of view on highly complex issues and to negotiate and integrate different viewpoints
High level of professionalism, self-motivation, and sense of urgency

Benefits

Comp & perks

Generous paid time off
Healthcare coverage for you and your family
Resources to create financial security
Support your mental health

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit risk assessmentfinancial analysisdata analysiscredit underwritingFraud investigationAnti-Money LaunderingCustomer Due DiligenceEnhanced Due Diligencerisk mitigationdocumentation management

Soft Skills

communication skillsinterpersonal skillsattention to detailnegotiation skillsself-motivationprofessionalismanalytical thinkingproblem-solvingtime managementteam collaboration