Sr Manager & Credit Product Governance

The Company

Pay Pal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, Pay Pal 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. Pay Pal 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 Pay Pal or Venmo account balance, Pay Pal 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 Pay Pal, 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.

Pay Pal has been operating in the UK for over 20 years serving large and small merchants and consumers across our two‑sided platform and with a wide range of payments, credit crypto and other adjacent products and services.

Pay Pal UK Ltd ("PPUK") is the Pay Pal UK regulated entity, with over 14 million customers.

We also have an exciting growth agenda with the customer at the heart of everything we do.

We are looking for an experienced Payments & Credit Product Governance, Senior Manager to lead and enhance product governance within Pay Pal UK. This is a pivotal role in ensuring that our Pay Pal UK product suite complies with UK regulatory expectations and delivers fair value and good outcomes to our UK customers.

As a key member of the UK COO team you will support Pay Pal's consumer payments and lending activities in the UK and will work closely with Compliance, Product Owners, Risk, Legal and other group functions to maintain strong governance over the full product lifecycle.

• Product Design: Bring a structured risk and customer/consumer duty focussed approach to the design, approval, oversight and review of payment and credit products on behalf of the Pay Pal UK regulated entity.
• Product Governance Framework: Lead the implementation and continuous improvement of the UK Product Governance Framework. Ensure governance processes are proportionate to product complexity and risk.
• Credit Decision Frameworks: Work with the global Credit and UK Risk (second line of defence) team to ensure oversight of credit decision frameworks, ensuring credit exposures comply with FCA regulation and established risk limits incorporating responsible lending practices and affordability assessments to help safeguard credit quality and support sustainable and compliant business growth.
• Change Management: Manage UK product and credit policy change governance, working with Compliance, UK Risk and global…