Consumer Credit Commercial Manager

Posted:
11/5/2024, 4:00:00 PM

Location(s):
Kleinmachnow, Brandenburg, Germany ⋅ Brandenburg, Germany

Experience Level(s):
Mid Level ⋅ Senior

Field(s):
Product ⋅ Sales & Account Management

Workplace Type:
Hybrid

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 Description Summary:

Reporting to the Head of Consumer Credit for Germany, this role will support the DE BNPL team by driving TPV growth, revenue and profitability of our BNPL set of products.



German BNPL products have been the leading PayPal GPL portfolio since 2023 as our products bring a unique value prop for consumers to enable financial flexibility through more payment options, as well as a tool for merchants to accelerate growth through, through our two products Pay in 30 days and installments. To drive further growth in this category, we need a commercial manager in the team to help the commercial head to manage these products on the ground.



The successful candidate will understand the products end-to-end and be able to develop strategies to accelerate growth in this category, including product enhancements, pricing, competitive strategies, marketing, merchant sales, risk and other areas of opportunities. Success in this role will require the ability to partner and network both with local teams (based in Germany) as well as global colleagues (based mostly in the US) and work together with them to develop the right solutions for this product.

Job Description:

Core responsibilities:  

  • Manage product & business initiatives to grow the bnpl products, working with stakeholders across Product, Engineering, Marketing, Sales, Finance, Analytics, etc.  

  • Drive competitor intelligence and market overviews, generating insights for our bnpl strategy in Germany  

  • Continuously monitor product performance to identify improvement opportunities, for example, by driving funnel reviews, forecasting reviews, etc.  

  • Partner with the BNPL sales team in identifying opportunities to drive merchant take up of our bnpl offer (including banners, 2nd button and 0% buy down), while driving an understanding of the financial impact of different merchant / deals scenarios 

  • Partner with the consumer team to drive consumer understanding and input in the user research strategy, marketing analytics, and cross sell / up sell strategy.  

  • Be an ambassador for the BNPL team within the wider Berlin / Dreilinden team, by helping drive awareness of our team and priorities, key projects, success stories, etc.  

 

Requirements: 

  • Knowledge and passion for the BNPL space in the DE region, including understanding of regulated and non-regulated consumer credit. 

  • Experience with credit and/ or financial services products in DE in general, and with PayPal’s and competitors BNPL products in particular.  

  • Experience working with partner functions such as marketing, finance, product & engineering, credit risk, etc.  

  • Ability to get things done in a highly matrixed environment, with multiple stakeholders across several time zones 

  • Be action-oriented with a strong and consistent track record of professional accomplishments  

  • Aspiration to operate as a General Manager, routinely deliver commercial results and influence a cross-functional team of peers & senior leaders  

  • Fluent in German and English required. 

Additional Job Description:

Subsidiary:

PayPal

Travel Percent:

0

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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com.

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.