Sr Director, Product Growth - U.S. Consumer Credit

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: PayPal is seeking a Senior Director, Product Growth to lead end-to-end growth across our U.S. consumer credit portfolio, including PayPal Credit, PayPal Cashback Mastercard, and Venmo Credit Card. This leader will shape and drive a cohesive strategy spanning customer acquisition, activation, engagement, retention, and lifetime value. Working across the PayPal and Venmo ecosystems, the role will bring together product, marketing, pricing, rewards, channel, and lifecycle strategies to unlock new growth opportunities, deepen customer relationships, improve the end-to-end experience, and drive portfolio health and sustainable growth. 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. Additional Responsibilities & Preferred Qualifications : Role Scope & Priorities • Shape the vision for growth across the U.S. consumer credit portfolio - PayPal Credit, PayPal Cashback Mastercard, and Venmo Credit Card - leveraging industry best practices, the broader PayPal and Venmo ecosystems, and innovative growth drivers . • Develop and execute an overall business strategy that unifies new-customer acquisition and existing-customer growth across the three products into a cohesive portfolio strategy. • Support acquisition strategy across the portfolio and partner with the US Consumer and Venmo teams to unlock cross-sell and upgrade opportunities, optimize placement and targeting, and expand the addressable customer base. • Partner with Product, Risk, and the issuing bank to improve the application, underwriting, onboarding, and activation experience and improve funnel conversion. • Partner to drive existing-customer growth across early-month-on-book, engagement, reactivation, retention, and win-back, while improving the end-to-end customer experience. • Shape and align growth levers including product roadmap inputs, go-to-market and marketing strategy, pricing and rewards economics, offers and incentives, channel mix, and customer lifecycle management. • Champion the voice of the customer and influence priorities across US Consumer, Venmo, Product, Engineering, Marketing, Risk, Analytics, Finance, Legal and Compliance, as well as issuing bank, network, and merchant partners. • Lead and develop a high-performing team , with success measured through portfolio health and product growth, delivered jointly with the US Consumer team and partner functions. Experience & Capabilities • Issuer-side credit card experience required , with demonstrated experience currently leading or having previously led a sizable credit card portfolio at a maj