Sr. Director, Revolving Credit Product

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:

As Sr. Director, Product Management for our Revolving Credit product team, you will create, own, manage and scale our revolving credit products for merchants and consumers across the US & UK, including our PayPal Credit Card (PPCC), PayPal Credit (PPC), PayPal Cashback Mastercard Business (CBMC). You’ll drive the vision, roadmap and execution for our suite of revolving credit products that help merchants and consumers purchase with credit, while realizing unique benefits such as cashback, points, and no interest for a period of time on specific purchases. We are seeking an exceptional product leader who thrives on changing the status quo and is laser focused on making every experience seamless, simple, and intuitive. We are looking for someone with a passion to delight customers and is obsessed about data driven decision making. To be successful, the candidate needs to excel in a highly collaborative, cross-functional and values-driven environment.

Job Description:

Essential Responsibilities:

• Establish a shared vision across the company for a portfolio of products, or platform products enabling development & scalability, with a deliberate and cohesive strategy.
• Leads product strategy development, and develops a clear, executable view of the product portfolio strategy with cross-functional stakeholders.
• Shapes the architectural roadmap and balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability.
• Champions the customer experience and prioritizes customer needs in product requirements and decision making.
• Defines and uses metrics that inform the success of products including usability studies, research and market analysis.
• Standardizes workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making.
• Responsible for product portfolio profitability, including budgetary decisions.
• Leads operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews. Interfaces with senior leadership as needed.
• Maximizes efficiency in a constantly evolving environment where the process is fluid and creative solutions are the standard.

Minimum Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Job Responsibilities:

• Strategic Leadership: Develop and implement product strategies that align to PayPal and the Financial services organization’s strategic objectives and ensure a cohesive and comprehensive vision for our revolving credit products.
• Product Development Lifecycle: Oversee the entire product development lifecycle from concept to launch including research, design, development, experimentation and iteration.
• Cross-Functional Collaboration: Work closely with our internal teams like design, engineering, commercial, marketing, legal, compliance, risk, data, identity and customer service teams as well as external partners (Synchrony Financial, credit bureaus, networks) to ensure product success. Facilitate communication and alignment across teams and departments.
• Strategic Planning: Participate in the development and execution of enterprise-level strategic planning processes, aligning release and program roadmaps with the organization’s overarching vision and OKR’s. Ensure that all initiatives are strategically positioned to maximize their contribution to the company’s long-term success.
• Team Leadership & Management: Lead and mentor a team of diverse product leaders and managers. Foster a culture of working customer back, putting people first, winning as a team, innovation, growth and excellence. Participate in personal performance management and development activities including cross-training.

Bias To Action:

• Proven leadership: self-motivated and a self-starter with a “can do” attitude.
• Team player, energetic personality, quality minded, focused, committed and able to work independently in a fast paced, changing environment.
• High degree of professional confidence and credibility with effective presence, strong written and verbal communication skills, able to communicate technical concepts and plans at all levels.
• Sharp business judgment, detail oriented yet able to always see the “big picture”.
• Strong partnering and influencing skills leveraging all communication mediums and throughout the organization, including senior leaders.
• Define and articulate through narratives, presentations, and documentation the vision and direction of our revolving credit products.
• Strong problem-solving skills, able to prioritize among conflicting needs, advocate a course of action and pursue it consistently.
• Ability to adapt, be flexible and responsive to dynamic situations.
• • Challenge traditional products and experiences and build the next generation of revolving credit products and experiences.

Requirements:

• Bachelor’s degree in business administration, management, engineering or a related field.
• 15+ years of product management experience.
• 10+ years of experience managing teams of product managers/leaders.
• Prior experience at a FinTech or in the financial services space working on credit products. We will also consider candidates with prior experience in adjacent domains and/or in heavily regulated industries.
• Proven track record of launching successful products on mobile and on web.
• Proven track record of leading cross-functional groups and delivering results in fast paced, high-growth, and matrixed environments.
• Deep empathy and appreciation of customer needs.
• Demonstrated success delivering 0-1 products as well as scaling existing products.
• Ability to grasp complex business/technical concepts, user scenarios, and business drivers, address ambiguity and make informed decisions.
• Proficiency dealing with product complexity and initiative ambiguity.
• Exceptional written, verbal, and listening communication skills and proficient communicating across a range of stakeholders.
• Strong data and analytical background.
• Proven track record multitasking and managing multiple releases concurrently.
• A team player who puts people first and wants to win as a team.

Preferred Requirements:

• Advanced or master’s degree.
• Self-starter that works independently and learns quickly.
• Experience launching and operating financial products in global markets.
• Experience using AI to improve the effectiveness and efficiency of product delivery.

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: ($242,000.00 - $359,150.00 Annually)

Additional Location(s) | Pay Range:

Chicago, Illinois: ($220,000.00 - $326,700.00 Annually) Austin, Texas: ($220,000.00 - $326,700.00 Annually) San Jose, California: ($242,000.00 - $359,150.00 Annually) 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

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 View email address on aiapply.co.

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.