Julien Ariaux

Julien Ariaux currently serves as the Global Head of Credit Risk for Pay Later Products at PayPal, a position held since November 2014, following roles as Director of Credit Risk for EMEA/APAC consumer products and Senior Credit Risk Manager for Business Finance UK. Prior to PayPal, Julien worked at Banco Santander from February 2009 to November 2014, taking on positions including Lead Risk Analyst for mortgages, SMEs, and self-employed segments, and Lead Risk Analyst focusing on Basel II regulatory and economic capital compliance. Julien's career began at GE Money as a Senior Collection Analyst and Risk Analyst from March 2007 to February 2009. Julien earned a Bachelor Degree in Management with a specialization in International Business from ESC Clermont Business School, having studied there from 2001 to 2007.