Victoria Dirac

Victoria Dirac is a seasoned Seller Risk Customer Experience Analyst at PayPal Credit, where she leverages over 20 years of experience in analytics, leadership, and management to drive strategic initiatives that enhance customer experiences while mitigating risk. Her expertise in both qualitative and quantitative analysis allows her to apply complex data insights to real-world business scenarios, ultimately leading to profitable outcomes for the organization.

In her current role, Victoria has been instrumental in developing and launching the UK consumer revolve credit strategy. This comprehensive project involved meticulous data research, strategy development, and navigating compliance requirements, culminating in a successful implementation and post-launch validation. Her ability to synthesize data into actionable strategies is further exemplified by her creation of PayPal's first No Score Approval strategy, which innovatively approved customers who passed regulatory checks despite lacking an external credit bureau score. This initiative not only streamlined the approval process but also expanded access to credit for underserved customers, showcasing her commitment to enhancing customer experience while maintaining robust risk management practices.

Victoria’s proficiency in analytical programming languages such as SQL and SAS, combined with her skills in loss forecasting and credit risk management, positions her as a key player in shaping PayPal Credit’s strategic direction. Her adeptness in project management and strategy development ensures that she consistently delivers results that align with the company's goals. As she continues to navigate the complexities of seller risk and customer experience, Victoria remains dedicated to fostering a culture of innovation and excellence within the financial services industry.