PayPal · 1 day ago
Sr Director, Chief Credit Officer
Utah, United States
Full-time
Hybrid
Director/Executive
15+ years expPayPal has been revolutionizing commerce globally for more than 25 years. The Sr Director, Chief Credit Officer will drive revenue growth, lead negotiations with partners, develop business strategies, and ensure the successful delivery of solutions while overseeing the quality of the merchant credit portfolio.
E-Commerce PlatformsFinTechMobile PaymentsTransaction Processing
Responsibilities
Drive revenue growth and global market expansion by identifying and cultivating strategic partnerships, channels, and opportunities
Lead the negotiation with external partners and engage cross-functional support colleagues to ensure the successful delivery of solutions for large complex partnerships
Develop and execute an overall business strategy to identify and cultivate strategic partnerships, channels, and opportunities to drive revenue growth and global market expansion
Influence the negotiation with external partners, engaging cross-functional support colleagues, to ensure successful delivery of solutions for large complex partnerships
Align product and business levers (such as pricing and FX) to maximize revenue and market expansion opportunities
Engage closely with product, engineering, and architecture teams to drive the architectural runway and determine the best technical implementation/design
Represent the end customer on an ongoing basis and use this knowledge to drive effective prioritization and decision-making
Develop/maintain merchant lending policies and monitor compliance
Develop portfolio analytics to include facilitating performance and risk monitoring
Prepare monthly and quarterly lending activity and portfolio condition reports for the Board, Board- and management-level committees, and regulatory agencies
Serve on the management-level Credit Committee and act as a principal spokesperson for the lending function
Make credit decisions within assigned authority, and review credit decisions made by others within their assigned authority
Prepare the quarterly allowance for credit loss ("ACL") analysis and merchant chargebacks, coordinating with the Chief Financial Officer ("CFO") for financial reporting
Monitor Fair Lending compliance via reporting and policy and procedural adherence in conjunction with the Chief Compliance Officer and CRO
Make decisions on both administrative and operational matters pertaining to lending
Supervise the collection of non-performing and charged-off loans
Ensure lending activities comply with regulatory requirements
Oversee credit staff and implement training programs on credit administration
Serve as a member of the executive management team, participating in strategic planning, budgeting, policy development, and asset/liability management
Develop, implement, and regularly update credit policies, procedures, and risk management frameworks to ensure compliance with regulatory requirements and alignment with the bank’s strategic objectives
Qualification
Required
12+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience
15+ years of progressive experience in credit administration, commercial lending, and portfolio management within the banking sector, with at least 3–5 years in a senior or executive credit management role
Demonstrated experience in developing, implementing, and monitoring credit policies and procedures, including risk grading, underwriting standards, and loan review
Advanced knowledge of credit analysis, risk assessment, loan structuring, and financial statement interpretation
Expertise in credit risk management, portfolio stress testing, risk rating systems, and allowance for ACL methodologies
Proficient with credit administration systems, loan origination platforms, and core banking software; advanced skills in Microsoft Excel, Word, PowerPoint, and data analytics tools
Strong ability to prepare, interpret, and present complex credit and risk management reports for executive management, Board committees, and regulators
Demonstrated ability to lead, mentor, and develop high-performing credit and lending teams with a commitment to staff training, performance management, and succession planning
Exceptional verbal and written communication skills; able to present complex credit and risk information clearly to the Board of Directors, executive management, regulators, and staff
Unquestionable integrity, sound judgment, and a commitment to ethical conduct and confidentiality
Bachelor of Science degree in Finance, Accounting, Business Administration, Economics, or a closely related field
Preferred
Community banking experience is strongly preferred
MBA preferred
Credit Risk Certification (CRC), Certified Lender Business Banker (CLBB), Certified Public Accountant (CPA), or similar credentials are advantageous
Benefits
Flexible work environment
Employee shares options
Health and life insurance
Company
PayPal
PayPal is a financial service company that provides online payment solutions to its users worldwide.
10001+ employees
H1B Sponsorship
PayPal has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (1144)
2024 (917)
2023 (775)
2022 (921)
2021 (1051)
2020 (1049)
Funding
Current Stage
Public CompanyTotal Funding
$12.17BKey Investors
Kohlberg Kravis RobertsBlueRun Ventures
2025-11-17Post Ipo Debt· $6.95B
2023-06-07Post Ipo Debt· $5B
2015-07-20IPO
Leadership Team
Simon Bladon
CEO, UK
chaloem khompitoon
President & CEO
Recent News
Small Business Trends
2026-01-06
The Motley Fool
2026-01-04
Company data provided by crunchbase