Job Summary
What you need to know about the role
You will develop and enhance CECL and IFRS9-compliant loss forecasting models using advanced machine learning and statistical techniques. Your work will directly influence PayPal s credit risk management and loss reserves. Meet our team You ll join the Global Credit Intelligence Team, a collaborative group within the broader Global Credit Risk organization. Here, you ll work alongside experts in data science, finance, strategy, and risk to deliver innovative solutions that drive PayPal s credit risk analytics forward. You will partner closely with teams across the business including SLOD Model Risk Management, finance, and external regulators to ensure our models are robust, compliant, and impactful. Your work will help shape credit strategies that protect our customers and business, all within a supportive and inclusive environment where your ideas and growth are valued.
Job Description
Your way to impact
In this role, you will apply advanced machine learning and statistical techniques to PayPal s rich proprietary data, driving the development of CECL and IFRS9-compliant loss forecasting models. Your work will directly shape credit risk strategies by providing accurate, data-driven insights that inform key business and regulatory decisions. As part of the Global Credit Intelligence Team, you will help ensure our credit policies and loss reserves are closely aligned with real-time risk exposures and evolving macroeconomic trends. By delivering robust, explainable models, you will play a vital role in supporting PayPal s strategic business decisions and compliance with regulatory requirements.
Your day to day
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Extract, prepare, and validate large, complex datasets from PayPal s proprietary systems using SQL, Python to support model development and analytics.
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Build, enhance, and document CECL/IFRS9-compliant loss prediction models, leveraging PD/EAD/LGD frameworks and vintage loss rate methodologies.
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Conduct rigorous model performance testing, stress testing, and scenario analysis to ensure models are robust and regulatory-compliant
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Collaborate cross-functionally with implementation, finance, accounting, risk, and external stakeholders to align on model outputs, definitions, and business needs.
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Clearly communicate analytic insights and model results to senior leadership, and provide expert support for regulatory exams and audit reviews.
What do you need to bring
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Advanced degree in a quantitative discipline (e.g., statistics, mathematics, data science, computer science, engineering, or related field).
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Deep expertise in statistical modeling, machine learning, or econometrics applied to credit risk, knowledge and familiarity of CECL and IFRS9 regulatory requirements and modeling best practices is a plus.
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Strong technical skills working with large datasets using SQL, Python, R, or similar tools; experience with cloud-based platforms such as GCP is highly desirable.
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5+ years of hands-on experience developing consumer or small business credit risk models, preferably within a CECL/IFRS9 framework.
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Excellent communication and collaboration skills, with strong business judgment and a passion for data-driven problem solving.
Preferred Qualification
Subsidiary
PayPal
Travel Percent
0
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 https//www.paypalbenefits.com .
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 talentaccommodations@paypal.com .
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.
Any general requests for consideration of your skills, please Join our Talent Community .
We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don t hesitate to apply.
