Finance Manager - Credit Controllership & Financial Reporting, Accounting

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:

This job drives accounting activities. You’ll lead multiple process workstreams through exploration, gap analysis, integration planning, execution, and problem-solving. Additionally, you’ll identify finance-related risks and collaborate with cross-functional teams to mitigate them, discuss finance and accounting concepts across the organization, and influence execution of plans through strong interpersonal skills. You’ll also proactively engage in resolving potential conflicts between Finance and non-Finance functions.

Job Description:

Essential Responsibilities:

• Lead several process workstreams through explorations, gap analysis, integration planning, execution, and problem solving
• Identify finance-related risks and partner with cross-functional teams to mitigate the identified risks
• Discuss finance/accounting concepts with others across the organization
• Lead and drive execution of plans and influence where you do not have direct authority through strong interpersonal skills
• Proactively engage, evaluate, and drive resolution of potential conflicts between various Finance and non-Finance functions
• Manage multiple workstreams simultaneously
• Work collaboratively with workstream leads and subject matter experts to arrive at risk-based approaches related to tactical execution steps
• Comfort with problem solving and creative solutioning

Minimum Qualifications:

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

The Manager, Finance – Credit Controllership & Financial Reporting, is a hands-on finance role responsible for the preparation, execution and review of accounting, close, financial reporting, and control activities for PayPal’s credit portfolio. This role provides strong financial stewardship over credit products and related transactions, including loan receivables, expected credit losses, fair-value and valuation adjustments, credit asset sales, ABS/securitisation activities and related balance-sheet and P&L reporting.

The role combines technical accounting expertise, operational execution, analytical review, and control discipline. It partners closely with Credit, Risk, Treasury, FP&A, Tax, Legal, Regulatory Reporting, Global Controllership, and the Controllership CoE in India to ensure that credit activities are accurately reflected in the books and records, appropriately controlled and supported by robust documentation and audit evidence.

The successful candidate will be expected to challenge data, assumptions, and accounting outcomes, resolve issues end-to-end, and convert complex credit activity into clear financial reporting and management insight.

Key Responsibilities

1. Credit Controllership & Month-End Close

·Own day-to-day finance execution for assigned credit portfolios, ensuring transactions are completely and accurately reflected in the general ledger and financial reporting.

·Prepare and review journal entries, account reconciliations, roll-forwards, accruals, reclassifications and close deliverables for credit-related balance sheet and P&L accounts.

·Perform monthly close activities for credit products, including analysis of receivables, interest and fee income, credit losses, valuation movements, write-offs, and recoveries.

·Investigate unusual movements, data breaks, and reconciliation differences; determine root causes and drive issues to resolution.

·Prepare monthly management reporting and analytics that explain portfolio movements, financial performance, key drivers, and emerging risks.

2. Credit Products & Portfolio Accounting

·Build and maintain a strong understanding of PayPal credit products, including consumer and merchant credit, revolving and instalment products, and portfolios originated, purchased, or sold by PayPal entities.

·Execute and review accounting for credit asset purchases, transfers, sales, and related settlement flows, including assessment of balance-sheet presentation, gain/loss recognition and supporting reconciliations.

·Support accounting for credit asset sales, forward-flow arrangements, ABS/securitisation structures and related funding or servicing arrangements, including preparation of transaction accounting papers and audit support.

·Partner with Credit and Treasury to understand portfolio structure, contractual terms, funding arrangements and changes affecting accounting or reporting.

·Maintain robust accounting documentation for significant and non-routine credit transactions and ensure conclusions are clearly supported by the applicable accounting framework.

3. ECL, Credit Losses & Valuation

·Prepare, review, and challenge the financial reporting impact of expected credit loss (ECL) and related credit-loss estimates, including data, staging, model outputs, overlays, and management adjustments.

·Coordinate with Credit Risk and Model teams to understand changes in PD, LGD, EAD, macroeconomic scenarios, calibration, and model methodology, and assess the financial reporting implications.

·Perform analytical review of allowance movements, including originations, derecognitions, changes in credit risk, model changes, write-offs, and recoveries.

·Support valuation and fair-value accounting for credit portfolios where applicable, including review of cash-flow forecasts, discount-rate assumptions, and valuation adjustments.

·Ensure appropriate documentation of key judgments, estimates, sensitivities and management overlays for financial reporting and audit purposes.

4. Financial Reporting, IFRS / Local GAAP & Regulatory Requirements

·Prepare and review financial statement and management reporting outputs relating to credit activities under IFRS, US GAAP and/or applicable local GAAP requirements, as relevant to the entity.

·Prepare and maintain accounting bridges and reconciliations between local GAAP and IFRS where required.

·Support statutory, prudential, and other regulatory reporting by providing accurate credit-related data, reconciliations, and supporting schedules.

·Monitor changes in accounting and regulatory requirements affecting credit products and translate them into practical actions for Finance and Business stakeholders.

·Prepare technical accounting memos for significant credit transactions, new products, and changes in portfolio strategy.

5. Controls, Risk Management & Audit Readiness

·Execute and evidence key financial controls over credit accounting, including reconciliations, review controls, data quality checks, and certification activities.

·Identify control gaps, assess accounting and reporting risks, design practical remediation actions, and track issues through sustainable closure.

·Maintain audit-ready support for credit balances, estimates, transaction accounting, and disclosures, including clear evidence trails and timely responses to auditor requests.

·Work with Internal Audit, SOX, Risk, Compliance and external auditors on credit-related findings, testing, and remediation.

·Ensure finance procedures and control documentation remain current as credit products, systems and processes evolve.

6. Partnership with the Controllership CoE in India

·Work with the CoE as an execution partner for close, reconciliations, journal preparation, reporting packs, and control activities.

·Provide clear priorities, accounting guidance, and quality expectations; review outputs and resolve exceptions rather than relying solely on high-level oversight.

·Establish effective review routines, issue escalation, and service-level expectations across the end-to-end credit controllership process.

·Drive standardisation, automation and process simplification across credit accounting and reporting activities.

7. Business & Cross-Functional Partnership

·Partner with Credit, Risk, Treasury, FP&A, Tax, Legal, Regulatory Reporting, Product and Operations teams on financial implications of credit initiatives.

·Support new product launches, portfolio migrations, funding initiatives, and strategic transactions by identifying accounting, reporting, control, and data requirements early in the process.

·Provide clear, concise financial analysis to management on portfolio trends, risks, accounting impacts, and execution priorities.

·Influence across functions and geographies, including situations where the role does not have direct authority.

8. Continuous Improvement & Transformation

·Identify opportunities to improve the efficiency, quality, and resilience of credit close and reporting processes.

·Use data queries, analytical tools and automation to reduce manual effort, strengthen controls, and improve the timeliness of financial insight.

·Participate in ERP, data, reporting, and finance transformation initiatives affecting credit activities.

·Develop repeatable documentation, dashboards and operating procedures that improve transparency and execution discipline.

Key Deliverables / Success Measures

·Timely and accurate monthly, quarterly, and annual close for assigned credit activities.

·High-quality reconciliations with clear explanations and rapid resolution of exceptions.

·Audit-ready support for ECL, valuation, credit asset sales, and securitization transactions.

·Accurate and well-supported financial and regulatory reporting submissions.

·Effective control execution with timely remediation of identified issues.

·Improved automation, standardization, and use of data analytics across credit controllership.

·Clear management insight into portfolio performance, financial impacts, and emerging risks.

Key Stakeholders

·Finance Director / CFO and Global Controllership

·Controllership CoE India

·Credit Risk, Model Risk and Credit Operations

·Treasury / Funding and Liquidity

·FP&A and Tax

·Legal, Compliance, Internal Audit and SOX

·Regulatory Reporting and local Finance teams

·Product and Business leaders

·External auditors and other assurance providers

Required Qualifications

·Bachelor’s or Master’s degree in accounting, Finance, Business, or a related discipline.

·Typically, 8–10+ years of relevant experience in accounting, controllership, financial services, banking, or Big 4 audit, with meaningful exposure to credit products.

·Strong technical accounting knowledge, with solid IFRS and/or US GAAP experience.

·Practical experience with credit products, loan receivables, and credit-loss accounting; experience with ABS and securitisation is strongly preferred.

·Experience with ECL / CECL concepts, valuation allowances, portfolio analytics, or related credit-estimation processes.

·Strong Excel and data-analysis skills; experience with SAP/S4HANA or other ERP/reporting tools is an advantage.

·Ability to analyse complex transactions, identify accounting and control implications and document conclusions clearly.

·High attention to detail, strong ownership mindset, and ability to work effectively under close and reporting deadlines.

·Excellent written and verbal English communication skills.

Preferred Qualifications

·ACCA, CPA, ACA, CIMA, or equivalent professional qualification.

·Experience in regulated banking, payments, fintech, or other highly controlled financial services environments.

·Experience working with geographically distributed teams or a Finance Center of Excellence.

·Experience with credit asset sales, forward-flow arrangements, ABS/securitization, servicing, or structured finance transactions.

·Experience with financial transformation, automation, data-querying, and process redes.

Subsidiary:

PayPal

Travel Percent:

0

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.