Description
This role drives accounting activities for PayPal's credit portfolio, leading multiple process workstreams and identifying finance-related risks. The successful candidate will be expected to challenge data, assumptions, and accounting outcomes, and convert complex credit activity into clear financial reporting and management insight.
Key Responsibilities
- Credit Controllership & Month-End Close
- Own day-to-day finance execution for assigned credit portfolios
- Prepare and review journal entries, account reconciliations, and close deliverables
- Perform monthly close activities for credit products
- Investigate unusual movements and data breaks
- Prepare monthly management reporting and analytics
- Credit Products & Portfolio Accounting
- Build and maintain a strong understanding of PayPal credit products
- Execute and review accounting for credit asset purchases, transfers, and sales
- Support accounting for credit asset sales and securitisation structures
- Partner with Credit and Treasury to understand portfolio structure and contractual terms
- ECL, Credit Losses & Valuation
- Prepare, review, and challenge financial reporting impact of expected credit loss (ECL)
- Coordinate with Credit Risk and Model teams to understand changes in PD, LGD, EAD
- Perform analytical review of allowance movements
- Support valuation and fair-value accounting for credit portfolios
- Financial Reporting, IFRS / Local GAAP & Regulatory Requirements
- Prepare and review financial statement and management reporting outputs
- Prepare and maintain accounting bridges and reconciliations between local GAAP and IFRS
- Support statutory, prudential, and other regulatory reporting
- Monitor changes in accounting and regulatory requirements affecting credit products
- Controls, Risk Management & Audit Readiness
- Execute and evidence key financial controls over credit accounting
- Identify control gaps and assess accounting and reporting risks
- Maintain audit-ready support for credit balances and estimates
- Work with Internal Audit, SOX, Risk, Compliance, and external auditors
- Partnership with the Controllership CoE in India
- Work with the CoE as an execution partner for close, reconciliations, and reporting
- Provide clear priorities, accounting guidance, and quality expectations
- Establish effective review routines and issue escalation
- Business & Cross-Functional Partnership
- Partner with Credit, Risk, Treasury, FP&A, Tax, Legal, and Regulatory Reporting teams
- Support new product launches, portfolio migrations, and strategic transactions
- Provide clear, concise financial analysis to management
- Influence across functions and geographies
- Continuous Improvement & Transformation
- Identify opportunities to improve efficiency, quality, and resilience of credit close and reporting processes
- Use data queries, analytical tools, and automation to reduce manual effort
- Participate in ERP, data, reporting, and finance transformation initiatives
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
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