Finance Manager, Credit Controllership & Financial Reporting

About the role

PayPal is looking for a Finance Manager for its credit portfolio in Luxembourg City. The role covers the preparation, execution and review of accounting, close, financial reporting and control activities for credit products, including loan receivables, expected credit losses, fair-value adjustments, credit asset sales and ABS/securitisation. It works closely with Credit, Risk, Treasury, FP&A, Tax, Legal, Regulatory Reporting, Global Controllership and the Controllership CoE in India.

Key responsibilities

• Credit controllership and month-end close: own day-to-day finance execution for assigned credit portfolios, prepare and review journal entries, reconciliations, accruals and close deliverables, run monthly close analysis and produce management reporting.
• Credit products and portfolio accounting: account for credit asset purchases, transfers, sales and settlements, ABS/securitisation structures and funding arrangements, with clear documentation.
• ECL, credit losses and valuation: prepare and challenge expected credit loss estimates, coordinate with Credit Risk and Model teams, review allowance movements and support fair-value accounting.
• Financial reporting: prepare IFRS, US GAAP and local GAAP statements and regulatory reporting, including accounting bridges between GAAPs.
• Controls, risk and audit readiness: execute financial controls, fix control gaps, support internal audit, SOX and external auditors.
• Partner with the Controllership CoE in India and with Credit, Risk, Treasury, FP&A, Tax, Legal and Product teams on new products and portfolio changes.
• Improve close and reporting efficiency through automation, data analytics and process standardisation.

Required profile

• Bachelor's or Master's degree in accounting, finance or a related field.
• Typically 8-10+ years of experience in accounting, controllership, financial services, banking or Big 4 audit, with exposure to credit products.
• Strong technical accounting knowledge, IFRS and/or US GAAP experience.
• Experience with credit products, loan receivables and credit-loss accounting; ABS and securitisation experience strongly preferred.
• Preferred: ACCA, CPA, ACA, CIMA or equivalent; regulated banking, fintech or distributed-team experience.

Required skills

• Strong Excel and data-analysis skills.
• Experience with SAP/S4HANA or other ERP/reporting tools is an advantage.
• Ability to analyse complex transactions and communicate clearly in English.

What we offer

• A balanced hybrid model: 3 days in the office and 2 days at the office or home.
• Paid time off, healthcare coverage for you and your family, and resources for financial and mental wellbeing.