Director – Consumer Credit - Product Growth

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:

Meet our Team
The North America Consumer team in XOPP BU owns PayPal’s US and Canada consumer business. Through one US Consumer Growth Agenda, we focus on growing high-value customers (HVCs) and attaching Financial Services (FS) products: Credit, BNPL and Debit. We partner with Marketing, Sales, Product and the FS Center of Excellence (CoE), which builds and runs credit products.

What you need to know about the role
As Director, US Consumer Credit, you will own strategy and results for growing consumer credit revolve across PayPal’s US credit products (Venmo excluded). You own consumer demand and KPIs, including Credit NAA, TPV and the acquisition, activation, engagement and retention metrics behind them; the FS CoE owns product, pricing and portfolio economics. You will align the FS CoE, Marketing, Checkout, App and Product teams around a shared plan. This is an individual contributor role reporting to the North America Consumer Market Leader.

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.
• Collaborate and influence product outcomes in a matrix organization with multiple stakeholders such as Engineering, Operations, Risk, Legal, Sales, Business Development, Marketing, Finance, and Banking Partners.

Minimum Qualifications:

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

Additional Responsibilities:

• Own the strategy and prioritization to grow consumer credit revolve in the US, translating the One US Consumer Growth Agenda into clear priorities and executable plans.
• Own consumer KPIs within the credit scorecard: Credit NAA and TPV, plus the acquisition, activation, engagement, retention and lifetime value metrics behind them, and drive accountability against annual targets and forecasts.
• Define credit customer segments and target segments, determine customer and product needs, and set priorities for product sequencing and rollout.
• Drive the credit customer funnel across acquisition, activation, engagement, retention and lifetime value, partnering with Credit PMM, Credit Affiliate Marketing and consumer marketing.
• Partner with the FS CoE on credit product design, financial line items, bank and network partners, servicing experience and compliance, bringing the voice of the US customer and the commercial priorities that shape product strategy and roadmap.
• Connect the dots across the Product and Marketing teams so credit offers and journeys reach the right customers at the right moments.
• Partner with the FS CoE and Finance on pricing and promotional levers, representing consumer demand and growth impact, to maximize revenue and growth.
• Track the competitive landscape for credit products and turn competitive insights into strategy and priorities.
• Influence outcomes in a matrix organization across Engineering, Operations, Risk, Legal, Sales, Marketing, Finance and banking partners, and represent the end customer to drive effective prioritization.
• Run the operating rhythm for credit growth, advising senior leaders in Operating Reviews and Business Reviews and influencing multi-year strategy and investment decisions.

Preferred Qualifications:

• 10+ years of relevant experience and a Bachelor’s degree, OR any equivalent combination of education and experience.
• 5 years of experience leading cross-functional teams or initiatives without direct authority.
• Experience with credit portfolio economics, such as revolve rates, net interest margin and net credit losses, and the regulatory considerations that come with consumer credit.
• Experience with credit marketing, including affiliate and product marketing, and with funnel analytics.
• Experience partnering with Risk, Compliance, and Legal teams to balance growth objectives against regulatory guardrails.
• Experience working in a highly matrixed, cross-functional, international environment.
• Strong command of BI and analytics tooling (e.g., Tableau, Looker, SQL) and comfort partnering closely with data engineering teams.
• MBA or advanced degree in a related field.

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: ($176,500.00 - $262,350.00 Annually)

Additional Location(s) | Pay Range:

No other locations are assigned to this requisition currently.

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.