Director, Head of Credit & Insurance

At eBay were more than a global ecommerce leader were changing the way the world shops and sells. Our platform empowers millions of buyers and sellers in more than 190 markets around the world. Were committed to pushing boundaries and leaving our mark as we reinvent the future of ecommerce for enthusiasts.

Our customers are our compass authenticity thrives bold ideas are welcome and everyone can bring their unique selves to work every day. Were in this together sustaining the future of our customers our company and our planet.

Join a team of passionate thinkers innovators and dreamers and help us connect people and build communities to create economic opportunity for all.

Join eBays Financial Services group to direct our worldwide Credit & Insurance business line providing financing and protection options for eBay buyers and sellers. You will be responsible for the strategy P&L and delivery for embedded seller financing BNPL buyer credit and protection/insurance products. Partner with external collaborators and internal teams to boost conversion trust and revenue across markets.

This is a senior highly cross-functional role located in Europe with a worldwide reach. You will work closely with Product & Tech Risk Legal/Compliance Analytics Marketing and regional groups in the US Europe AU and other key markets.

What you will accomplish...

• Lead Credit & Insurance as a business line: define the multi-year strategy and roadmap for seller financing products BNPL/buyer credit and protection/insurance; hold responsibility for revenue margin and portfolio health goals across the globe.
• Guide worldwide performance and market entry initiatives by setting objectives and processes (WBR/MBR) throughout the US EU AU and additional areas. Work closely with regional Sales Marketing and BU teams to boost adoption and attach rates for sellers and buyers.
• Build end-to-end journeys by collaborating with Product Development and Engineering to integrate financing and protection into main buyer and seller flows. These include targeting application decisioning servicing and claims. Continuously improve conversion average order value and repeat usage.
• Own partner strategy and governance by managing a portfolio of global and regional partners (BNPL providers lenders banks insurers). This includes sourcing commercial negotiation risk-sharing and quarterly business reviews with clear performance and paths for handling critical issues.
• Balance growth risk and regulation: coordinate with Risk Legal/Compliance and Analytics to refine approval and loss rates assess portfolio performance and confirm programs follow US UK EU and AU regulatory and conduct standards for credit and insurance.

What you will bring...

• Experience includes: 1215 years in credit fintech embedded lending or large-scale retail/e-commerce. Have managed a global $1B portfolio in credit originations. At least 5 years must be at Director or GM level with responsibility for P&L or substantial revenue. The candidate should be based in Europe and have shown leadership across several regions including the US EU or Australia.
• Practical leadership experience in at least two areas is required: marketplace knowledge with insight into how financing and insurance support the ecosystem flywheel; seller or merchant financing such as MCA revenue-based finance term loans or LOC; consumer BNPL or buyer credit options like pay-in-X invoice and revolving or store cards; and embedded protection or insurance for buyers and sellers during online transactions.
• Innovation driven: having experience with analyzing developing or collaborating on decentralized finance (DeFi) and blockchain financial solutions (like on-chain credit tokenized assets or smart-contract lending/insurance) is an important plus. You will need to turn this expertise into actionable strategies for product partnership and risk areas at eBay Financial Services.
• Business line leadership: Demonstrated ability to oversee a multiproduct portfolio including strategy roadmap economics and implementation. Strong product and UX skills working with Product and Tech to develop and improve customer journeys at scale.
• Risk and regulatory expertise: Understanding of SME and consumer credit risk covering underwriting pricing and line management. Practical awareness of EU UK US and AU regulations affecting online credit and insurance. Experience applying these via partners and compliant marketing and product development.
• Partnership management: demonstrated success negotiating and managing complex lending BNPL and insurance partnerships. Led through a global matrix of regional leaders and cross-functional teams. Communicated clearly with senior executives using data.

If youre passionate about building a global Credit & Insurance business that drives growth and resilience for millions of eBay buyers and sellers wed love to talk!

Additional Details

eBay is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion national origin sex sexual orientation gender identity veteran status and disability or other legally protected you have a need that requires accommodation please contact us at. We will make every effort to respond to your request for accommodation as soon as possible. View our accessibility statement to learn more about eBays commitment to ensuring digital accessibility for people with disabilities.

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