Account Representative, SMB

Honey; Madrid; Hybrid; EUR 60,000 - 90,000; Full time

Job summary

PayPal is seeking an AM2 to own the end-to-end commercial relationship for ~200 SMB merchants, driving growth, managing renewals, and maintaining margin. You’ll prioritize a high-volume book with structured servicing and a data-driven mindset.

You will use AI-powered tools to identify growth and risk opportunities, collaborate with internal teams, and deliver competitive, customer-focused solutions while safeguarding revenue and pipeline health.

Qualifications

• 1+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Responsibilities

• Be the single point of contact for merchants, owning commercial outcomes end to end.
• Use AI-powered tools to spot growth, cross-sell and risk opportunities across your book.
• Keep pipeline, forecast and portfolio health reporting accurate, and share effective practices with fellow AM2 colleagues.
• Coordinate internal teams to resolve merchant needs, and decide the right action when standard process isn't enough.

Skills

AI tools usage

Pipeline management

Negotiation

Forecasting

Account management

Education

Bachelor's degree

Education-Experience equivalence

Tools

AI-powered tools

Job description

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:

Our SMB business exists so small businesses can compete like big ones, and as an AM2, you'll be the person hundreds of them count on. You'll own the end-to-end commercial relationship for around 200 SMB merchants, protecting existing transaction margin and driving growth through consistent, systematic servicing, retention and selling. It's a high-volume book, so structure and prioritisation matter just as much as the sales conversation itself.

Job Description:

Essential Responsibilities:

• Drive demand generation and qualification through cold calling, email outreach, and inbound lead response.
• Negotiate and close contracts, addressing legal, financial, and technical concerns effectively.
• Conduct thorough discovery to analyze customer needs and present pre-packaged solutions and use-cases.
• Maintain a rigorous pipeline with accurate forecasting and regular reporting on pipeline status and revenue forecasts.
• Collaborate across departments to ensure alignment and leverage customer insights to optimize offerings.

Minimum Qualifications:

• 1+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

What You'll Do:

• Be the single point of contact for your merchants, owning commercial outcomes end to end.
• Use AI-powered tools to spot growth, cross-sell and risk opportunities across your book.
• Keep pipeline, forecast and portfolio health reporting accurate, and share effective practices with fellow AM2 colleagues.
• Coordinate internal teams to resolve merchant needs, and decide the right action when standard process isn't enough.

What You'll Bring — Minimum Qualifications:

• 3+ years of relevant experience and a Bachelor's degree, or an equivalent combination of education and experience.

Core Capabilities We're Looking For:

• Structured, organised, and able to plan and segment a large customer book while keeping follow-through and service quality high.
• 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 elevate at the right time when several things need attention at once.
• A reliable team collaborator who keeps records, pipeline and follow-ups accurate and aligned with internal stakeholders.

Subsidiary:

PayPal

Travel Percent:

0

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.

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 [e-mail].

Belonging at PayPal:

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

Who We Are:

Click Here to learn more about our culture and community.