Account Representative, SMB (West/Central)

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 Account Representative to join our Small and Medium Business Sales team, covering West/Central 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 200 SMB merchants across the region. You’ll focus on protecting and growing transaction margin through proactive account management, retention and sales activity. Managing a high-volume portfolio means knowing where to focus your time, spotting opportunities and risks early, and building strong merchant relationships along the way. Please note that our German headquarters is located in Berlin, so this is a virtual role for candidates based in West/Central Germany. 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 In this role, you’ll manage a high-volume portfolio of SMB merchants across West/Central Germany, balancing commercial growth with strong day-to-day relationship management. Own and manage the commercial relationship with your merchants, working closely with colleagues across PayPal to deliver strong end-to-end outcomes. Use AI-powered tools to spot growth, cross-sell and risk opportunities across your portfolio. Keep pipeline, forecast and portfolio health reporting accurate, and share effective practices with fellow Account Representative colleagues. Coordinate internal teams to resolve merchant needs and determine the right course of action when standard processes aren’t enough. What We’re Looking For To succeed in this role, you’ll combine strong customer instincts with commercial judgement, organisation and the ability to prioritise effectively. Structured and organised, with the ability to plan and segment a large customer portfolio while maintaining strong follow-through and service quality. Skilled in customer and commercial conversations — building trust, identifying needs and converting the right opportunities without losing customer focus. Comfortable using AI, data and playbooks to make sound trade-offs and escalate at the right time when several priorities require attention. A reliable team collaborator who keeps records, pipeline and follow-ups accurate and stays aligned with internal stakeholders. What You’ll Bring 3+ years of relevant experience , or an equivalent combination of experience, education and training. Professional fluency in German , enabling you to build strong customer relationships and lead effective commercial conversations. Nice to Have Customer-facing, account-servicing or relationship-management experience. We Believe in You Interested? Don’t hesitate to apply — 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 https://careers.pypl.com/contact-us .  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 office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations. Our Benefits: At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset-you. That’s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health. Who We Are: Click Here to learn more about our culture and community. Commitment to Diversity and Inclusion  PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law.  In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities.  If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at  paypalglobaltalentacquisition@paypal.com .   Belonging at PayPal:   Our employees are central to advancin