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: Reporting to the Director, Product & Operational Risk Oversight, the Manager, Product Lifecycle Risk Oversight is a second-line-of-defense individual contributor responsible for independent oversight, monitoring, and credible challenge of PayPal's product lifecycle governance programs. This role partners closely with first-line-of-defense functions, including governance, operations, and platforms teams, to provide objective and independent assessment of program effectiveness and maturity; drive production of oversight metrics and reporting; manage governing corporate policy; administer product governance management bodies; and support enterprise risk management committee reporting. Job Description: Essential Responsibilities: Identify issues and recommend best practices for risk management within the organization. Lead functional projects and programs that enhance risk assessment and mitigation efforts. Collaborate with teams to analyze business trends and their implications for risk management. Contribute to process improvements that enhance the effectiveness of risk management strategies. Provide guidance and support to team members in executing risk management initiatives. Minimum Qualifications: 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications : Experience in second-line programmatic or risk oversight, compliance, internal audit, or equivalent independent oversight functions within a Three Lines of Defense operating model, preferably in financial services, fintech, or payments. Working knowledge of enterprise risk management frameworks (e.g., COSO ERM) and their practical application to program oversight, risk identification, and control effectiveness assessment. Familiarity with product development lifecycle (PDLC) and applicable governance frameworks plus associated risk and control considerations, including how governance requirements can be efficiently embedded into product development processes. Exposure to responsible or trustworthy product development principles — such as privacy-by-design, AI governance, consumer protection considerations, or security-by-design — as applied within product lifecycle or change governance contexts. Understanding of relevant regulatory requirements and industry standards applicable to product governance and operational risk in financial services or payments (e.g., consumer protection, model risk, technology risk, or change management regulations). Hands-on experience with GRC platforms (e.g., Archer, ServiceNow GRC) and SDLC/DevOps or business planning tools (e.g., Jira). Experience applying AI or analytics tools to risk monitoring, oversight reporting, or governance w