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:

Job Description:

Bill Me Later, Inc., a wholly-owned subsidiary of PayPal, Inc., seeks Sr Analyst, Financial Planning & Analysis in New York, NY

Job Duties: Work closely with Credit Risk, Operations, Analytics, Marketing, and accounting teams to translate business strategies into expected financial performance. Support the financial planning process, which includes near-term forecasting, annual planning, strategic planning, and global expansion initiatives. Perform financial analytics and data modeling of the merchant lending portfolios, forecast assumptions through data analysis, perform profitability analysis of key segments, and assessing strategic and tactical initiatives. Collaborate with multiple functional areas across the business to project and deliver results, while influencing business strategies. Assist with developing the near-term and long-term business planning assumptions and pro-forma financial statements. Provide insights and input into the annual plans and quarterly forecasts for loan volume, revenue, losses/reserves, and operating expenses. Research and review portfolio activity to measure and map asset performance. Identify trends to support forecast assumptions, model inputs, and perform attribution analysis. Consolidate findings into periodic reports that provide meaningful daily, weekly, and monthly analysis of trends vs. expectations. Partner with the Marketing team to develop marketing channel P&Ls to support management initiatives, and incremental spending opportunities, and facilitate decision-making. Maintain, update, and enhance financial operating models. Provide accurate and thorough reporting and explanations of results to business leaders. Partner with Credit Finance team members to envision, define, and drive opportunities for technology and process improvements. Partial telecommuting permitted from within a commutable distance.

Minimum Requirements: Master’s degree, or foreign equivalent, in Finance, Accounting or a closely related field plus two years of experience in the job offered or a related occupation.

Special Skill Requirements:

Two years of experience required in each of the skills below

1. Financial modeling experience specifically related to lending. Experience building loan amortization schedules and understanding of credit and prepayment assumption driving expected cash flow projections

2. Financial forecasting experience building out P&L projections with the ability to explain projections and all the components involved

3. Microsoft Office with expert experience in Microsoft Excel. Ability to leverage advance excel functions to model and analyze loan data

4. Coding experience with the ability to build financial models from the ground up leveraging programs like VBA, Python, SQL

5. Experience working with large data sets in Excel, VBA, Tableau with the ability to analyze data and clearly summarize and articulate findings

EOE, including disability/vets.

The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is:

Primary Location | Pay Range:

New York, NY | Salary: $118,248.00-157,000.00 per annum. 40 hours per week; M-F, 9:00 a.m. to 5:00 p.m.

Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.

Must be legally authorized to work in the U.S. without sponsorship.

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:

Click Here to learn more about our culture and community.

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.

Notice to Applicants and Employees who reside within New York City. Click here to view the notice.