OneMain Financial Jobs

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 involves independent collaboration to enhance credit processes and decision-making. The analyst evaluates credit risk, oversees team performance, and utilizes data analysis to track credit quality. They work outside defined processes to determine appropriate actions, ensuring the effectiveness of credit management strategies while contributing to the overall efficiency of the credit portfolio. Job Description: Essential Responsibilities: Conduct timely assessments of merchant credit risk throughout the merchant life cycle Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health Estimate financial exposure and recommend risk mitigation measures where necessary Communicate risk insights and recommendations effectively with cross-functional stakeholders Maintain accurate documentation and audit trails of underwriting assessments Monitor portfolio segments and track seller performance to identify risks and opportunities Stay current on industry trends and credit risk best practices to inform decision-making Facilitate or participate in special assignments and projects to support business initiatives Minimum Qualifications: 3+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications: 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 - (Virtual) | ($94,000.00 - $134,200.00 Annually) Additional Location(s) | Pay Range: Chicago, Illinois | ($89,000.00 - $127,600.00 Annually) Scottsdale, Arizona | $84,