Stephen Mikulcik
VP, Commercial Leader for GPL & Shopping, PayPal

Stephen has been in Financial services for nearly 25 years across Operations, Finance, Marketing, International Small Business Lending, Analytics and Risk.  He started his career at MBNA which was acquired by Bank of America.  He has been with PayPal for over 11 years and currently serves as VP, Commercial leader for GPL & Shopping.  He resides in Maryland with his wife Kelly and their two children Kyle (20) and Alexis (18).  His hobbies include golf, baseball, and hiking with his golden doodle, Penny.

PayPal Experience 
2011-2012: Senior Manager, Credit Strategy 
2012-2016: Director, Credit Analytics 
2017-2018: Senior Director, Global Credit Risk 
2018-2019: Interim GM, UK & DE Small Business Lending 
2019: Chief Risk Officer, Global Merchant Lending 
2020: Commercial Leader, US Revolving Products 
2021: Commercial Leader, Global Pay Later 
2022: VP, Commercial Leader Global Pay Later & Shopping