Sr Director, US Credit Exist Customer Mktg

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: This job drives revenue growth, leads negotiations with partners, develops business strategy, influences product outcomes, aligns product levers, engages with product teams, represents the end customer, and collaborates with stakeholders. They ensure successful delivery of solutions and maximize market expansion opportunities.

Job Description: Essential Responsibilities:

• Drive revenue growth and global market expansion by identifying and cultivating strategic partnerships, channels, and opportunities
• Lead the negotiation with external partners and engage cross-functional support colleagues to ensure the successful delivery of solutions for large complex partnerships
• Develop and execute an overall business strategy to identify and cultivate strategic partnerships, channels, and opportunities to drive revenue growth and global market expansion
• Influence the negotiation with external partners, engaging cross-functional support colleagues, to ensure successful delivery of solutions for large complex partnerships
• Align product and business levers (such as pricing and FX) to maximize revenue and market expansion opportunities
• Engage closely with product, engineering, and architecture teams to drive the architectural runway and determine the best technical implementation/design
• Represent the end customer on an ongoing basis and use this knowledge to drive effective prioritization and decision-making

Minimum Qualifications:

• 12+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Job Summary Additional Responsibilities and Preferred Qualifications PayPal serves tens of millions of consumers globally and has one of the largest US cobrand credit programs across all industries, anchored by the highly successful PayPal Credit and PayPal Cashback Mastercard products. Reporting to the VP, Global Credit Card Commercial Lead, the Head of Existing Customer Marketing for US Revolving Credit is responsible for maximizing engagement, spend, revenue, and lifetime value across this US revolving credit portfolio, while supporting the strategic direction, growth, and profitability of the business. This leader owns the US strategy and execution of lifecycle marketing, portfolio management, and customer experience for existing credit customers, using data‑driven insights to drive profitable growth and ensure seamless integration with PayPal's broader consumer products.

Job Description

• Establish a comprehensive US existing‑customer strategy for PayPal Credit and PayPal Cashback Mastercard that is tightly aligned with the overall global credit card and consumer business objectives.
• Partner with the VP, Global Credit Card Commercial Lead to translate the multi‑year vision and roadmap for the global credit card portfolio into specific lifecycle strategies across activation, usage, revolve, and retention.
• Oversee performance of the US revolving credit portfolio for existing customers, including P&L management, and ensure strategies and investments support growth and profitability targets.
• Define, monitor, and prioritize OKRs and KPIs for existing customer health (active rate, spend per active, revolve rate, revenue, losses, NPS) and implement strategies and test‑and‑learn plans to achieve these financial and customer outcomes.
• Work with Credit and Consumer Product teams so that PayPal Credit, PayPal Cashback Mastercard, and other credit products work seamlessly together in the broader portfolio experience.
• Define and articulate, through narratives, presentations, and documentation, the vision, strategy, and roadmap for existing‑customer experiences across PayPal's credit products.
• Lead lifecycle marketing and portfolio strategies across onboarding, early engagement, activation, spend stimulation, balance build, loyalty, and win‑back, using digital channels such as the PayPal app, email, on‑site, and partner surfaces.
• Provide oversight and support for portfolio planning, including forecasting, scenario analysis, and performance reporting for existing customer initiatives.
• Collaborate with Risk, Finance, Product, Marketing, Data Science, and Operations to shape value propositions, pricing constructs, promotional financing offers, and rewards strategies that deepen engagement while maintaining sound credit risk and compliance practices.
• Ensure compliance with regulatory requirements and industry best practices across all existing‑customer strategies, offers, and communications.
• Develop and deliver compelling executive‑level presentations that communicate portfolio performance, customer insights, competitive intelligence, and strategic recommendations, helping to align senior leaders and influence key decisions.
• Monitor competitor activity and market trends across major issuers and digital co‑brands, and leverage these insights to refine existing‑customer strategies and maintain a leading cobrand position.

Additional Responsibilities

• Serve as the central coordination point for existing‑customer initiatives across Credit, Product, Marketing, Risk, Finance, Data Science, regional markets, and external bank and network partners.
• Lead and evolve existing‑customer functions—including portfolio management, lifecycle marketing, analytics, and decisioning—into an integrated operating model that links strategy, execution, and measurable outcomes.
• Champion a customer‑centric approach to all existing‑customer experiences, using customer feedback and data analytics to continuously improve servicing, rewards, offers, and digital journeys.
• Partner closely with Product to ensure the roadmap delivers the right features and experiences, in the right sequence, for current and future target markets and segments.
• Partner closely with Marketing to align on acquisition, adoption, and existing‑customer revenue goals, and to ensure consistent positioning of PayPal Credit and PayPal Cashback Mastercard across all touchpoints.
• Work closely with regional and market leaders on go‑to‑market plans for new and existing credit products, including pricing, positioning, distribution strategies, and local lifecycle programs.
• Design and oversee structured experimentation (A/B and multivariate tests) across offers, creative, incentives, and channels to optimize activation, engagement, and profitability.
• Partner with Operations, Servicing, and Collections to design interventions that reduce friction, enhance customer satisfaction, and support healthy repayment behavior across the lifecycle.
• Prepare and lead recurring business reviews, portfolio deep‑dives, and test‑and‑learn readouts for senior and executive leadership, including clear recommendations and action plans.

Preferred Qualifications

• 15+ years of leadership and P&L management experience in fintech, payments, or financial services with industry‑leading credit card products and processes, including substantial focus on revolving credit and existing‑customer management.
• Strong understanding of the US credit card market, regulatory environment, industry trends, and consumer needs, with particular depth in cobrand and digital‑first portfolios.
• Proven track record driving profitable growth in large, complex card portfolios through data‑driven lifecycle strategies and portfolio optimization.
• Experience developing and executing multi‑year visions, strategies, and roadmaps for large‑scale consumer credit products.
• Demonstrated success leading business functions that require coordination of many stakeholders and cross‑functional teams in a highly matrixed environment.
• Strong problem‑solving skills, with the ability to prioritize among competing needs, advocate for a clear course of action, and drive alignment across senior stakeholders.
• Very strong written and verbal communication skills, with a talent for concise articulation of customer problems, and extensive experience creating and delivering executive‑level presentations.
• Exceptional leadership abilities with a proven track record of building, mentoring, and developing high‑performing teams, and fostering a culture of innovation, collaboration, accountability, and inclusion.
• Bachelor's degree in business, finance, marketing, economics, statistics, or a related field required; MBA or advanced degree strongly preferred.

The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is:

Primary Location : Pay Range: Chicago, Illinois : ($198,000.00 - $294,250.00 Annually)

Additional Location(s) : Pay Range: No other locations are assigned to this requisition currently.

Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact\-us.

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: To learn more about our culture and community visit https://about.pypl.com/who\-we\-are/default.aspx

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 paypalglobaltalentacquisition@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.

REQ ID R0134957