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:

What you need to know about the role:
This role leads the governance and controls function for PayPal’s Global Merchant Lending (GML) portfolio. You will ensure regulatory compliance, operational integrity, and risk management across a dynamic global lending ecosystem.

Meet our team:
The Global Merchant Lending team supports small and medium business customers with innovative lending products to fuel their growth. You will partner closely with Legal, Compliance, Product, and Risk teams to uphold the integrity and resilience of our merchant lending operations while ensuring PayPal continues to deliver safe, scalable, and customer-centric credit experiences.

Your way to impact:
You will develop and lead governance frameworks, risk management strategies, and control standards across PayPal’s global merchant lending operations. Your work will strengthen compliance, reduce risk exposure, and enhance decision-making to enable sustainable portfolio growth and customer trust.

Job Description:

Essential Responsibilities:

Collaborate with internal teams to influence the quality and effectiveness of internal control processes.
Evaluate and recommend alternative solutions to improve internal control systems.
May act as a subject matter resource for entry level and developing colleagues
Conduct assessments of internal control effectiveness and compliance.
Engage in continuous improvement initiatives to enhance internal control practices.

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Your day-to-day:

Develop, implement, and maintain governance frameworks for global merchant lending products.
Ensure adherence to all relevant regulatory requirements and internal policies.
Identify, assess, and mitigate risks across merchant lending activities through data-driven controls.
Drive process improvement initiatives to enhance efficiency and operational excellence.
Partner with legal, compliance, and product teams to interpret and operationalize new regulatory requirements.
Serve as a trusted advisor to senior leadership, providing insights on governance, risk, and control strategies.
Lead and mentor a team of governance and control professionals, fostering collaboration and accountability.

What do you need to bring:

Bachelor’s degree in Finance, Business Administration, Risk Management, or related field (Master’s preferred).
5–7 years’ experience in governance, risk management, or compliance—preferably within lending or credit products.
Strong understanding of global regulatory frameworks and industry best practices.
Proven ability to implement governance frameworks and risk mitigation strategies.
Excellent analytical, problem-solving, and decision-making skills.
Strong leadership and interpersonal communication skills, with the ability to influence across functions.
Ability to operate effectively in a fast-paced, global environment and manage multiple priorities.
Relevant professional certifications (e.g., CRCM, CAMS, FRM) are advantageous.

Subsidiary:

PayPal

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, 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 https://www.paypalbenefits.com.

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.

Mgr, Governance & Controls – GML

Benefits

Job Description