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:

Job Description:

Essential Responsibilities:

• Take ownership of key Treasury processes such as corporate cash management or FX risk management activities.
• Partner with internal constituents to solve corporate cash management issues.
• Leading junior treasury team members for professional growth.
• Institute and socialize BCP/BIA processes and planning.
• Maintain and manage Treasury Workstation usage, optimization, testing, and upgrades.
• Integrate acquisitions and standardize policies across the organization.
• Provide oversight of intercompany loans and other Treasury Policies.
• Identify automation initiatives for daily operations efficiency.
• Collaborate with Risk and Compliance teams for regulatory and licensing compliance.

Minimum Qualifications:

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

Key Responsibilities

• Develop and enhance end-to-end regulatory stress testing capabilities — data sourcing, methodology, models, and reporting tooling — in line with evolving regulatory expectations (e.g., EBA methodology)
• Develop behavioral models for e-money and customer liabilities, applying segmentation and clustering techniques to assess deposit stability, concentration risk, and event sensitivity
• Build and maintain liquidity and capital forecasting models for the entity across normal and stressed conditions, supporting ILAAP, ICAAP, Recovery Plans, and Contingency Funding Plans
• Strengthen scenario analysis by improving the quantitative linkage between macro parameters and risk impacts; design satellite models for credit risk and NII stress with appropriate governance
• Coordinate timely updates to IFRS 9 parameters (PD, LGD, staging) used in stressed credit loss estimation
• Design dashboards and automated tools to streamline recurring analytical and reporting workflows, with a strong preference for eliminating manual, repetitive processes
• Partner with Prudential Risk, Finance Controllership, Treasury Transformation, Enterprise Data, and Regulatory Reporting teams as required to deliver on Treasury’s risk and analytics agenda

What You Need to Bring

• 7–12 years of experience, with 5+ years in financial risk, stress testing, analytical modeling, or related areas at a financial institution or fintech
• Bachelor’s or Master’s in a quantitative discipline (Engineering, Mathematics, Statistics, Physics, or Computer Science)
• Proficiency in Python and SQL; experience with Tableau/Power BI and advanced Excel (VBA, scenario modeling)
• Experience with regulatory stress testing frameworks and methodologies, ideally within a European regulatory context
• Solid understanding of balance sheet dynamics, capital management (capital adequacy, RWA, regulatory capital), and liquidity management concepts (LCR, NSFR, TCR, Basel III)
• Familiarity with IFRS 9 concepts (PD, LGD, staging) and their application in stress testing
• Understanding of behavioral or statistical modeling of customer liabilities or deposit stability
• Progress towards CFA or FRM designation; strong communication skills for non-technical audiences

Preferred

• Experience with EBA, PRA, or equivalent regulatory stress exercises
• Track record building satellite or econometric models with formal governance
• Understanding of interest rate risk in the banking book (IRRBB), credit spread risk in the banking book (CSRBB), and Pillar 2 capital requirements
• Familiarity with SAP BW or similar enterprise data warehouse platforms

Subsidiary:

Travel Percent:

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.