The Company

Pay Pal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, Pay Pal 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. Pay Pal 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 Pay Pal or Venmo account balance, Pay Pal 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 Pay Pal, 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:

The FP&A Analyst will support Transaction Loss FP&A activities such as building budgets and forecasts, maintaining reserve adequacy models and providing transparency on transaction losses trends at product/segment/region level. The role will also require close collaboration with the Risk organization and Business units to gather inputs, summarize insights and produce executive level presentations. Key focus will be to drive optimal decision-making through financial modelling and quantitative analysis. Innovation and automation of existing models will be also a critical focus area for the candidate.

A successful candidate will be highly analytical and capable of interpreting trends. You should have excellent business and communication skills to be able to present and work with the wider FP&A team and business owners.

The FP&A Analyst will report into the Transaction Loss FP&A Lead and will be based in San Jose but with colleagues and stakeholders across multiple time zones.

Job Description: Essential Responsibilities:

• Support planning and forecasting processes
• Review business performance on regular cadences (weekly, monthly, quarterly)Collaborate with stakeholders to gather inputs and summarize insights
• Produce executive-level presentations
• Work closely with the finance and technical teams to drive process and system improvements
• Facilitate discussions with various stakeholders, manage expectations, and collaborate cross-functionally
• Consult with finance leads to review and discuss key issues, risks, and dependencies for assigned initiatives
• Document and escalate potential risks/issues, assist in developing mitigation strategies, and support their implementation

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications: Key responsibilities of this role are:

• Support planning and forecasting for Pay Pal Transaction Loss and work with Risk & BI teams to produce weekly, monthly and quarterly reports, review quarterly forecasts and annual budgets across products/segments/regions.
• Play a key role during the month-end and quarter-end close cycles.
• Help maintain the Forecast Reserve Adequacy Model (FRAMe) for Pay Pal and its main cross-properties, ensuring appropriate reserve levels and adherence to audit/controllership principles.
• Partner with Risk BI/GOAL team to transform our forecasting and reporting capabilities towards a customer-based view and while providing proactive and action-oriented Transaction Loss insights to BU Leadership & BU FP&A partners.
• Derive actionable insights based on quantitative and qualitative research, discover new opportunities and identify the gaps to grow and optimize business through deep dive analysis on very large quantities of data.
• Support Finance process and system improvements, partnering with global FP&A/Analytics and technology teams.
• Successfully collaborate with Transaction Loss FP&A colleagues, and the broader FP&A community including BU & Global Markets FP&A.
• Take part in process transformation workstreams aiming at creating more robust processes in line with the company-wide effort.

Preferred Qualifications:

• Bachelor's or Master’s degree in Finance, Accounting, Economics, Engineering or related field.
• Experience gained in FP&A, strategic finance, investment banking, management consulting or risk management; ideally in fast-paced, agile and growth environments.
• Demonstrated experience in financial modeling, forecasting, and analysis. Strong Excel and PowerPoint skills. Experience with database products is a plus (i.e. Essbase, SQL, Python, SAP).
• Thorough understanding and experience of working with large customer and transactional datasets and true desire to understand the drivers of the business.
• Ability to effectively manage projects/ results oriented.
• Strong communication skills and experience distilling and presenting complex financial analyses into action-oriented recommendations.
• Strong interpersonal and teamwork skills: ability to work across functions, organization & geographies and influence peers and more senior colleagues.

Subsidiary:

Pay Pal

Travel Percent:

0

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:

San Jose, California | ($98,000.00 - $140,250.00 Annually)

Additional Location(s) | Pay Range:

No other locations are assigned to this requisition currently.

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

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 https://careers.pypl.com/contact-us.

For the majority of employees, Pay Pal'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 Pay Pal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits:

At Pay Pal, 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

Pay Pal 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, Pay Pal 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 paypalglobaltalentacquisitionpaypal.com.

Belonging at Pay Pal:

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 Pay Pal 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 Pay Pal.

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.