Senior Director - Product Growth, U.S. Consumer Credit

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:

PayPal is seeking a Senior Director, Product Growth to lead end-to-end growth across our U.S. consumer credit portfolio, including PayPal Credit, PayPal Cashback Mastercard, and Venmo Credit Card. This leader will shape and drive a cohesive strategy spanning customer acquisition, activation, engagement, retention, and lifetime value. Working across the PayPal and Venmo ecosystems, the role will bring together product, marketing, pricing, rewards, channel, and lifecycle strategies to unlock new growth opportunities, deepen customer relationships, improve the end-to-end experience, and drive portfolio health and sustainable growth.

Job Description:

Essential 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

Minimum Qualifications:

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

Role Scope & Priorities 

• Shape the vision for growth across the U.S. consumer credit portfolio - PayPal Credit, PayPal Cashback Mastercard, and Venmo Credit Card - leveraging industry best practices, the broader PayPal and Venmo ecosystems, and innovative growth drivers. 

• Develop and execute an overall business strategy that unifies new-customer acquisition and existing-customer growth across the three products into a cohesive portfolio strategy. 

• Support acquisition strategy across the portfolio and partner with the US Consumer and Venmo teams to unlock cross-sell and upgrade opportunities, optimize placement and targeting, and expand the addressable customer base. 

• Partner with Product, Risk, and the issuing bank to improve the application, underwriting, onboarding, and activation experience and improve funnel conversion. 

• Partner to drive existing-customer growth across early-month-on-book, engagement, reactivation, retention, and win-back, while improving the end-to-end customer experience. 

• Shape and align growth levers including product roadmap inputs, go-to-market and marketing strategy, pricing and rewards economics, offers and incentives, channel mix, and customer lifecycle management. 

• Champion the voice of the customer and influence priorities across US Consumer, Venmo, Product, Engineering, Marketing, Risk, Analytics, Finance, Legal and Compliance, as well as issuing bank, network, and merchant partners. 

• Lead and develop a high-performing team, with success measured through portfolio health and product growth, delivered jointly with the US Consumer team and partner functions. 

Experience & Capabilities 

• Issuer-side credit card experience required, with demonstrated experience currently leading or having previously led a sizable credit card portfolio at a major issuer. 

• Demonstrated track record driving both new-customer acquisition and existing-customer growth for a consumer credit or card portfolio. 

• Demonstrated ability to manage and influence key portfolio and P&L performance levers, including revenue, costs, credit and fraud losses, pricing, rewards, and lifecycle economics, while operating with an owner mindset. 

• Strong understanding of consumer credit needs, consumer behavior, and portfolio P&L dynamics. 

• Experience developing strategy and roadmaps for large-scale products and translating business priorities into measurable execution. 

• Experience working with issuing bank and network partners in a partnership or co-brand credit model. 

• Experience leading significant co-brand or portfolio negotiations or renegotiations. 

• Breadth across risk, fraud, product, and operations 

• Experience with card processors such as Fiserv and navigating both legacy platforms and modern digital experiences. 

• Proven ability to lead through complex, highly matrixed organizations and influence cross-functional teams. 

• Strong analytical and problem-solving skills, with the ability to identify gaps and initiate solutions in complex environments. 

• Strong communication skills, with experience presenting portfolio performance, insights, and recommendations to senior internal and external leaders. 

• Exceptional people leadership capabilities, with experience building, coaching, and developing high-performing teams. 

Subsidiary:

PayPal

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:

New York City, New York: ($218,000.00 - $323,950.00 Annually)

Additional Location(s) | Pay Range:

Chicago, Illinois: ($198,000.00 - $294,250.00 Annually)
Austin, Texas: ($198,000.00 - $294,250.00 Annually)
San Jose, California: ($218,000.00 - $323,950.00 Annually)

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. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes.  Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately.  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 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 

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 [email protected].

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 here to view the notice.