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: At Pay Pal, the Credit & Fraud Risk Specialist plays a critical dual role in supporting our Small Business Lending ecosystem by combining credit underwriting expertise with fraud risk detection and prevention. This position is designed for a highly analytical professional who is equally skilled in evaluating credit risk and identifying fraudulent activity, with the ultimate goal of making the right decision for Pay Pal, our customers, and our investors.

Job Description:

Essential Responsibilities:

• Prioritize and analyze internal and external escalations to prevent future escalations.
• Provide feedback regarding necessary changes and updates including policies, upgrades, and potential workflow changes.
• Function as Subject Matter Expert, partnering with key stakeholders for educating, training, coaching, and enhancing risk/detections.
• Report trends, make recommendations, and escalate issues/concerns appropriately to enhance the program.
• Contribute to business improvements e.g., MBR, DSA/ Internal service level, routing analysis, contact reduction etc.
• Develop robust monthly insights for team members and the leadership team.
• Run business and self-identified projects.
• Support complex consumer and merchant issues or escalations engaging appropriate stakeholders focused on resolution.

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Credit Underwriting Function:

In the underwriting capacity, the Credit & Fraud Risk Specialist is responsible for developing a comprehensive understanding of the customer’s financial profile and business health to assess creditworthiness and loan eligibility. Pay Pal’s specialized underwriting process is a source of competitive advantage and integral to our ability to grow profitably while supporting small businesses. Team members are passionate about helping customers achieve their goals by making sound, data-driven credit decisions that balance growth, risk, and profitability.

Fraud Risk & Investigations Function:

In the fraud operations capacity, the Credit & Fraud Risk Specialist is responsible for detecting, investigating, and preventing financial crimes across small business loan applications. Pay Pal’s investigative and monitoring processes are a critical layer of risk protection and a key differentiator in the industry. This function focuses on identifying suspicious activity, mitigating losses, and protecting both customers and Pay Pal from evolving fraud threats. Specialists continuously adapt their strategies as fraud patterns and customer behaviors evolve.

This dual-skilled role requires the ability to seamlessly shift between credit risk assessment and fraud risk analysis, applying strong judgment, analytical rigor, and investigative skills. If you are passionate about managing risk holistically, protecting customers, and contributing to Pay Pal’s continued success through thoughtful decision-making, this role offers the opportunity to help shape the future of small business lending.

As a Credit Underwriting Specialistat Pay Pal, you will:

• Interpret and analyze financial statements and business tax returns
• Review business banking statements
• Verify the accuracy of information submitted for underwriting
• Interview small business owners, landlords, trade references, and review site inspections
• Analyze credit bureau information (consumer and business)
• Identify and research any inconsistencies with the application to identify potential fraud
• Operate within a defined regulatory environment

As a Fraud Operations Specialist at Pay Pal, you will:

• Monitor real time queues and identify high-risk activity within the business loan portfolio
• Review applications to identify first and third-party fraudulent activity such as money laundering, falsified documentation, identity theft and other similar risks
• Interact with financial institutions and customers to validate information
• Conduct periodic internal account reviews to identify suspicious activity
• Identify trends and make recommendations for new strategies to prevent losses.
• Complete required reporting based on outcomes in compliance with all applicable policies and procedures.

Qualifications for success:

• Commercial credit underwriting experience preferred
• Bachelor’s degree in a business-related major
• Superior decision making and analytical skills
• Excellent oral and written communication skills
• Ability to work within a team setting with all levels of the organization
• Ability to multi-task with attention to detail
• Superior customer service skills
• Willingness and ability to discuss potentially difficult financial issues with business owners
• Willingness to work flexible hours and additional hours as required
• Proficient PC user, including experience with Microsoft Office suite

Subsidiary: Pay Pal

Travel Percent: 0

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 paypalglobaltalentacquisition@paypal.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.