Senior Manager, Capital Risk & Stress Test

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 Summary:

Job Description:

Your way to impact
As the Senior Manager for Stress Testing & Capital Risk Oversight, you’ll play a mission-critical role in safeguarding the resilience of PayPal’s business model. Your work will directly influence how the company prepares for financial shocks, balances growth with risk, and meets its commitments to customers, regulators, and partners around the world.
Your day-to-day
Stress Testing Governance: 
•    Own and continuously improve the stress testing governance framework, ensuring alignment with internal policies and regulatory expectations. 
•    Serve as administrator of the Stress Testing Working Group (STWG), coordinating agendas, tracking deliverables, and managing documentation and escalation flows.
•    Lead the end-to-end stress testing cycle: scenario ideation, impact analysis, assumption validation, result interpretation, and reporting. 
•    Partner with Finance, Treasury, Risk, and Business teams to ensure robust and timely execution of regulatory and internal stress testing exercises.
Stress Scenario Design & Assumption Alignment:
•    Oversee the development and maintenance of a comprehensive scenario library, including macroeconomic, idiosyncratic and market shock scenarios.
•    Align scenario narratives with quantitative shocks and underlying business assumptions (e.g., credit issuance, revenue attrition, customer behavior).
•    Lead periodic scenario challenge sessions to ensure relevance, severity, and internal consistency across risk and business inputs.
•    Ensure documentation of scenario design logic, transmission channels, and impact pathways.
Capital & Liquidity Risk Oversight
•    Contribute to the monitoring of capital and liquidity risk appetite metrics and early warning indicators.
•    Assist in regulatory responses and supervisory engagements related to capital and stress testing.

What do you need to bring
•    7+ years of experience in financial services or fintech, risk management and treasury experience preferred.
•    Strong technical understanding of liquidity and capital risks required.

•    Knowledge of FX, payment flows, and liquidity forecasting models preferred.

•    Proven experience in scenario design and stress testing frameworks (regulatory or internal).
•    Strong project management skills, including cross-functional stakeholder engagement and governance administration.
•    Excellent analytical and communication skills; able to synthesize complex findings into clear, actionable recommendations.
•    Familiarity with regulatory frameworks (e.g., Basel, ICAAP, CCAR) is a plus.
•    Basic knowledge of crypto currencies and stablecoin is a plus. 

Subsidiary:

Travel Percent:

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PayPal is committed to fair and equitable compensation practices.

Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.

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 talentaccommodations@paypal.com.

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.