Description
:
We are looking for an experienced Payments & Credit Product Governance, Senior Manager to lead and enhance product governance within PayPal UK. This is a pivotal role in ensuring that our PayPal 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 PayPal’s consumer payments and lendingactivities in the UK and will work closely with Compliance, Product Owners, Risk, Legal and other group functions to maintainstrong governance over the full product lifecycle.
In your role as a payments and credit governance lead, you will:
1. Product Design:Bring a structuredrisk and customer/consumer duty focussed approach to the design, approval, oversight and review of payment and credit products on behalf of the PayPal UK regulated entity.
2. 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.
3. Credit Decision Frameworks: Work with the global Credit and UK Risk (second line of defence) team to ensureoversightofcredit decision frameworks, ensuring credit exposures comply withFCA regulation and established risk limits incorporating responsible lending practices and affordability assessments to help safeguard credit quality and support sustainable and compliant business growth.
4. Change Management: Manage UK product and credit policy change governance, working with Compliance, UK Riskandglobal credit teams.
5. Policy Updates: Collaborate with global Product and UK Credit Compliance and Legal teams to ensure that the product and credit policies remain compliant with applicable regulatory guidelines.
6. Product Review Committee:Coordinate, manage and lead secretariat of the UK Product Review Committee. With support of a UK Consumer Duty Outcomes Manager you will prepare agendas, providechallenge andminute actions and decisions.
7. Product lifecycle Reviews:Ensure governance processes are proportionate to product complexity and risk. Manage product oversight across the lifecycle, from initial concept through to annual product reviews.
8. Consumer Duty Alignment: Collaborate with the PayPal UK Consumer Duty and Product teams to develop and maintain product documentation, including product approval papers, target market assessments, fair value assessments and outcome testing.
9. Cross Functional Collaboration: Partner with the wider UK COO team, Product Owners, Risk, Compliance and Legal to embed governance into product development and delivery.
10. Reporting:Prepare periodic product governance reporting for UK COO, Senior Management, Board and regulators as needed.
11. Audit Reviews: Support Internal and External Audits and risk assessments related to product oversight.
Skills
12. Greater than 7years experienceleading product governance, conduct risk and/or compliance within a UK regulated Financial Services organisation.
13. Proven ability to manage governance forums and work across disciplines (product, legal, risk, operations)
14. Strong organisational and communication skills, with attention to detail, rigorand an ability to influence different stakeholder groups.
15. Commercial awareness with a clear focus on good customer outcomes and conduct.
Preferred Qualification:
Subsidiary:
PayPal
Travel Percent:
20
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Our Benefits:
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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 .
Who We Are:
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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 .
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.
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