eBay Paypal诚聘Merchant Underwriting Representative (商户信用审核分析师)

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eBay 中国
eBay (NASDAQ:EBAY; http://www.ebay.com)是全球最大的交易网站之一。经过十年的发展，eBay 成长为历史上发展最快的公司之一。目前eBay在全球33个国家和地区设有分支机构，拥有超过2.12亿注册用户，被誉为全球互联网上最受欢迎的购物网站。

贝宝(Paypal China)
PayPal是eBay旗下的一家公司。PayPal服务建立在现有的银行账户和信用卡的金融基础设施之上，致力于让个人或企业通过电子邮件，即可安全、轻松的在线支付和接收款项。PayPal 公司为中国市场度身定做的网络支付服务—PayPal 贝宝，就是利用 PayPal 公司在电子商务支付领域先进的技术、风险管理与控制以及客户服务等方面的能力，通过开发适合中国电子商务市场与环境的产品，为电子商务的交易平台和交易者提供安全、便捷和快速的交易支付支持。在中国,用户已能够通过PayPal 贝宝使用15家银行的超过20种银行卡进行网上支付。同时，贝宝还为合作商户的用户提供优质的解决方案，以及多种商家工具，并为安全、便捷的网上支付提供安全提示、投诉受理及纠纷调解等多种辅助服务。

Merchant Underwriting Representative      (商户信用审核分析师)

The Merchant Underwriting Representative will support the underwriting and perform expert-level risk evaluation of PayPal’s merchants of all sizes.  Areas of analyst focus will include but is not limited to performing risk management analysis and underwriting, assuring regulatory adherence, assisting with merchant monitoring and enforcement operation, and balancing the overall business impact of MRM operations. Success will be measured by the ability to enable the merchant services business by optimizing revenue and losses.  In addition, performance will be based on the ability to minimize risk to PayPal, quality of vetting decision-making and enforcement as viewed by regulators, credit processors, customers, and internal stakeholders.  


This position requires business acumen, creative thinking, strong written and oral communication skills.


SPECIFIC DUTIES


·         Implementation of Credit Underwriting and Procedures

·         Conduct full credit underwriting including assessment of merchant risk, vet merchants on a timely basis; present detailed recommendations to management, cross-functional Risk Management organization and Merchant Services BU

·         Interpret and analyze credit bureau reports, financial statements, merchant processing statements, business history, background investigations, bank and trade references.  Calculate reserve/collateral requirements based on credit exposure.

·         Communicate directly with a wide range of PayPal teams, merchants and vendors during credit underwriting process in a professional manner.  

·         Document all communication with accounts accurately and in a timely manner via system tools. Ensure that issues are escalated properly to appropriate internal departments and management

·         Establish and maintain accurate and thorough documentation on all systems, reports, and analytical methodologies used.  Provide strong centralized information management for all risk areas and geographic regions to minimize redundancies and coordinate efficient business execution.

·         Perform ongoing monitoring of specified accounts and portfolio in accordance with approval policies

·         Translate complex quantitative information into presentations that are easily understood by general management



JOB QUALIFICATIONS

1.      Education
·         Bachelor’s degree in Finance, Accounting, Economics, Statistics, Operations Research or equivalent work experiences.



2.      Experience
·         Experience in financial services industry is required.  At least two years of merchant acquiring, prior risk management or credit underwriting experience is required.
·         Customer communication experience in both phone and email support.
·         Direct experience in utilizing analytical skills to identify critical trends



3.      Knowledge, Skills, and Abilities
·         Strong analytical skill - must be able to analyze complex data, draw meaningful conclusion, and make a holistic business recommendations
·         Ability to approach problems in a quantitative and qualitative manner
·         Excellent internal and external communication (verbal and written) skills

Work Location: Shanghai Zhangjiang High Tech Park

Resumes sent to sha-hire@ebay.com both in English & Chinese if you’re interested in it and please specify the job title in the mail subject. Thanks!