PayPal has been revolutionizing commerce globally for more than 25 years. Creating in ative experiences that make moving ey, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 2 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 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 ends 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 ction 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, In ation, 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 Sum y
Credit risk data scientist for the geo-expansion function as part of the European and Australian Buy Now Pay Later Risk Team. The role focus is on analyzing and identifying consumer risk trends in prospective kets, making recommendations for optimal credit risk strategies and the BNPL funnel. Its a hands-on data/analytics-heavy role within a high-impact credit risk organization.
Job Description
Essential Responsibilities
- Lead the development and implementation of advanced data science models.
- Collaborate with stakeholders to understand requirements.
- Drive best practices in data science.
- Ensure data quality and integrity in all processes.
- Mentor and guide ior data scientists.
- Stay up with the latest trends in data science.
Expected Qualifications
- 3+ years relevant experience and a Bachelor s degree OR Any equivalent combination of education and experience.
Additional Responsibilities & Preferred Qualifications
Responsibilities
- Work with P&L owners and other stakeholders to analyze, propose and implement robust strategies to support global expansion across the lifecycle of Buy Now Pay Later.
- Measure the P&L impact of credit strategies to optimize mix of risk and revenue, and support the production of business cases.
- Share insights with leadership on book quality and provide recommendation on risks and opportunities.
- Explore data sources internal and external to PayPal and evaluate their potential contribution to the credit underwriting process in new regions.
- Work with local compliance and legal teams to take into account local regulations for any new expansions.
Requirements
- Proven experience in credit risk management is a must, along with in-depth ket knowledge of credit performance, data providers, credit and behavioral scoring and industry best practices.
- Minimum 4 years experience in credit and/or Fraud risk management and underwriting in consumer credit products (e.g. Credit cards, instalment loans or other revolving credit products), preferably with a fintech background.
- Strong written, oral, and interpersonal skills a must including the ability to explain / present technical business flows.
- Experience with credit bureaus and other sources of consumer data.
Qualifications
- Typically requires a minimum of 4 years of related experience with a Bachelor s degree; or 3 years and a Master s degree; or a PhD without experience; or equivalent work experience.
- Experience with analytics and data mining tools, such as SQL, Python, Advance Excel, Tableau.
- Proven ability to influence, work collaboratively, build and maintain relationships throughout the organization.
- Must have good judgment with the de strated ability to think creatively and strategically
Subsidiary
PayPal
Travel Percent
0
PayPal does not charge candi any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit .
For the majority of employees, PayPals 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
We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit .
Who We Are
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, ital 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 .
Belonging at PayPal
We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candi . Please don t hesitate to apply.
