Senior Account Representative, SMB (North)

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: As PayPal continues its mission to revolutionize commerce, we’re looking for a driven Senior Account Representative to join our Small and Medium Business Sales team in Germany. Small businesses are the engine of local economies everywhere, and PayPal’s SMB team helps them compete on a bigger stage. In this role, you’ll own the end-to-end commercial relationships for a portfolio of around 80 of our higher-value SMB merchants. You’ll proactively identify opportunities to deepen relationships, expand product adoption and solve merchant needs to protect and grow transaction margin. It’s a role for someone who wants real ownership, from spotting the next growth opportunity to working through merchant problems that don’t yet have a playbook. This is a virtual position, with our German headquarters located in Berlin. Job Description: Essential Responsibilities: Collaborate internally to influence process quality and efficiency. Determine appropriate actions and consider alternative solutions. Acquire, manage, and expand relationships with small and medium-sized merchants. Use analytical skills and judgment to recommend best solutions. Influence through defined processes and procedures. Minimum Qualifications: 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications: What You’ll Do Own the commercial relationship with your merchants, working closely with colleagues across PayPal to deliver strong end-to-end outcomes. Develop tailored account plans and commercial strategies for these strategically important merchants. Use AI-powered tools to identify growth, cross-sell and risk signals across your portfolio. Keep pipeline, forecast and portfolio health reporting accurate, and support less experienced AM colleagues by sharing what works. Bring together the right internal teams to resolve merchant needs and work through ambiguous issues where no established playbook exists. What We’re Looking For A track record of owning high-value or strategic customer relationships and the commercial outcomes that come with them. Quantifiable examples of retaining and growing a complex book of business through cross-sell, upsell or wallet-share growth. Comfortable using AI and commercial data to prioritise opportunities, focus your time and intervene early where there is a risk of churn or decline. A problem-solver who can work beyond standard playbooks, weigh alternatives and reach commercially sound outcomes on ambiguous merchant issues. A strong internal collaborator who can mobilise partners across the business, maintain clear account plans and forecasts, and reliably close out actions. What You’ll Bring 5+ years of relevant experience and a Bachelor’s degree, or an equivalent combination of education and experience. We Believe in You Interested? Don’t hesitate to apply or reach out and let's talk —we’d love to get to know you! Subsidiary: PayPal Travel Percent: 0 PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes. Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately. To learn more about how to identify and avoid recruitment fraud please visit For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal o