Sr Analyst, Credit Portfolio

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 Description Summary:
Capital Markets Analyst – Asset Backed Structured Finance Job Summary PayPal's Capital Markets team is newly established to support the company's funding strategies and market execution across its global loan portfolios in the US, Europe, Asia and Australia. We are seeking a Capital Markets Analyst with 2–5 years of relevant experience—ideally from investment banking, consulting, hedge funds, private equity, or loan originators—who will play a key role in structuring, analyzing, and executing asset backed structured products transactions for PayPal's global portfolio of BNPL, credit card and business loans. This is a unique opportunity to help build a growing function from the ground up, contribute to strategically important securitization programs, and interact with external investors and internal stakeholders on a global scale.

Job Description:
Essential Responsibilities:

• Perform lending activities using specialized domain knowledge and developed business expertise
• Lead projects and/or programs within the Credit Portfolio team with moderate scope impacting the Finance function
• Track credit quality, identify trends and make informed decisions within general parameters under broad supervision
• May act as a subject matter resource for entry level and developing colleagues

Expected Qualifications:

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

Job Description
Additional Responsibilities and Preferred Qualifications
Essential Responsibilities

• Support the execution of PayPal's asset backed structured products transactions, including structuring, cash flow modeling, and deal documentation.
• Perform in-depth portfolio analysis across PayPal's consumer and merchant loan products to support funding strategy, risk assessment, and transaction readiness.
• Assist with the preparation of offering memoranda, investor presentations, rating agency packages, and internal investment committee materials.
• Develop and maintain tools, models, and dashboards to monitor loan-level performance, prepayment/charge-off dynamics, and transaction performance over time.
• Coordinate with external stakeholders (banks, investors, rating agencies, counsel) to facilitate smooth transaction execution and ongoing surveillance.
• Provide ongoing performance updates, collateral reporting, and analytical insights to internal teams and management to support decision-making.
• Partner across treasury, risk, finance, accounting, and product teams to align capital markets activities with company objectives and market dynamics.
• Stay abreast of ABS market developments, evolving investor preferences, and regulatory requirements to ensure best execution and compliance.

Minimum Qualifications

• 2-5 years of relevant experience in structured finance, capital markets, credit risk, or related fields at a bank, consulting firm, hedge fund, private equity firm, or loan originator.
• Bachelor's degree in Finance, Economics, Accounting, Business, Mathematics, or related field.
• Solid understanding of structured finance products, particularly ABS, and familiarity with securitization structures, cash flow mechanics, and rating agency methodologies.
• Strong financial modeling and analytical skills, with proficiency in Intex, Excel and PowerPoint.
• Excellent organizational skills, attention to detail, and ability to manage multiple projects under tight timelines.
• Strong written and verbal communication skills for engaging cross-functional teams and external investors.

Preferred Qualifications

• Experience directly supporting ABS structuring, warehouse financing facilities, or whole-loan transactions for consumer and/or merchant assets.
• Working knowledge of SQL, Python, or other data tools to manage and analyze large loan-level datasets.
• Demonstrated track record presenting complex analyses to senior executives and external stakeholders.
• Collaborative mindset, with proven ability to work effectively across teams and adapt in a fast-paced, entrepreneurial environment.

Work Authorization
Candidates must be authorized to work in the country where the position is located.

Relocation assistance is not available for this role.

PayPal is committed to fair and equitable compensation practices.

Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit

The U.S. national annual pay range for this role is PayPal is committed to fair and equitable compensation practices.

Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit

The U.S. national annual pay range for this role is $94,000 to $156,200

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit

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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit

Who We Are:
To learn more about our culture and community visit

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

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

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REQ ID R0132691