Sr Manager BNPL Credit Product Compliance

PayPal, Inc.; City of London; On-site; GBP 85,000 - 115,000; Full time

Job summary

A major global fintech company is seeking a Senior Manager for BNPL Credit Product Compliance in London. This role involves leading compliance strategies, managing teams, and ensuring adherence to regulatory frameworks. Candidates should have over 8 years of experience and a strong understanding of BNPL and credit products. The position offers the opportunity to influence key compliance initiatives and drive risk mitigation strategies across the organization.

Qualifications

• 8+ years relevant experience.
• Demonstrated subject matter expertise in BNPL and credit products.
• Experience in managing teams and driving compliance strategies.

Responsibilities

• Lead complex projects related to risk management.
• Collaborate with teams to analyze operational risks.
• Implement strategies for risk mitigation and compliance.

Skills

Project management

Risk analysis

Leadership

Compliance oversight

Regulatory knowledge

Education

Bachelor's degree or equivalent experience

Job description

Sr Manager BNPL Credit Product Compliance

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Job Description Summary

PayPal UK Limited ("PPUK") is seeking a dynamic, innovative, and driven subject matter expert to join our high‑performing UK Compliance team as Senior Manager BNPL Product Compliance. This role reports to the PPUK Compliance Director and will play a critical role in supporting the compliant growth of the PayPal business in the UK market by developing PayPal’s Compliance strategies, frameworks and policies and ensuring effective implementation across all functions of the UK and Global business which support the UK markets and its customers, through proactive support and constructive challenge. In this role, you will need to demonstrate in‑depth strategic thinking and the ability to work in a fast‑paced, cross‑functional environment, keeping the customer and key regulations at the forefront of decision making to make business‑oriented recommendations aligned to risk appetite.

Job Description

Essential Responsibilities

• Lead complex projects and problem resolution efforts related to risk management.
• Collaborate with teams to identify and analyze risks that may impact operations and assets.
• Develop and implement strategies for risk mitigation and compliance.
• Assess current business trends to inform risk management practices and improvements.
• Drive global process improvements through effective project management and stakeholder engagement.

Expected Qualifications

• 8+ years relevant experience and a Bachelor’s degree or equivalent combination of education and experience.

Additional Responsibilities And Preferred Qualifications

• Leadership and line management of PPUK Compliance managers.
• Provision of second line market compliance oversight & advisory support to BNPL Credit product and servicing teams across the UK and Global enterprise.
• Risk & Compliance Program delivery, including risk assessments, annual oversight and monitoring plans, policy development.
• Effective reporting of key risks and KPIs into UK governance, including PPUK Product Governance, Outsourcing, Conduct and Customer Outcomes, Risk and Audit & Risk Committees, and other global fora.
• Delivery of new and existing product compliance reviews to support identification and appropriate mitigation of first line operational and regulatory risks, in line with PPUK policy and risk appetite.
• Ongoing maintenance of SME knowledge to facilitate effective advice and oversight of current and emerging risks.
• Collaboration with internal teams (such as PPUK functional leaders, Global Financial Crime, Program enablement, internal control partners, product leaders) to drive effective risk mitigation plans and supporting business requirements.
• Collaboration with global risk and compliance teams, across all three lines of defence, to support strategic development, policy/process alignment and continuous improvement of risk and compliance management frameworks.

You Will Also

• Act as a trusted partner to business and enablement teams and work to implement Programme, new product and BAU change to comply with the evolving regulatory and internal control environment.
• Design and implement oversight frameworks for future expansion programs.
• Be highly visible in engaging with varied Sales & Marketing stakeholders.
• Be comfortable delivering and navigating constructive challenge.
• Demonstrate subject matter expertise in BNPL and credit products and regulation.
• Be a champion for positive customer outcomes and provide a demonstrable understanding of Conduct Risk assessment and measurement.
• Be comfortable with subjectivity and ambiguity, taking a considered position on risks exposures, sometimes based on limited information.
• Be flexible to change – remaining open to new information or approaches and adapting decisions accordingly.
• Be accountable for building effective and diverse direct and virtual teams, attracting and retaining skilled talented individuals as well as taking an active role in developing and mentoring at all levels.
• Deputise for the Compliance Director as needed.

Equal Employment Opportunity Statement

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 [e-mail].