Job Description

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives.


Summary: What you need to know about the role- o This position is part of the Global Commercial Lending Credit Risk team and will be responsible for performing data analytics using machine learning tools to identify opportunities and build strategies to mitigate risk associated with commercial lending portfolio o This position will play a crucial role in developing and refining credit risk management strategies pertaining to New Accounts acquisition. o This position will be responsible for analyzing large datasets identifying trends and providing insights to inform decision making processes aimed at mitigating credit risk exposure for the organization. Meet our team o You will directly impact the Global Merchant Lending business by delivering strategies that will enable overall growth of the commercial lending portfolios, while effectively managing credit risk. o You will report to Manager, Global Commercial Lending o The GML Credit Risk team directly supports the GML Business Unit and other relevant key stakeholders across PayPal's Consumer, Merchant, Credit, and Payments Business Units.


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Your way to impact

• You believe in data-driven decisions and use data to create risk management strategies and answer business questions
• You are hyper-analytical, intellectually honest, and extremely passionate about data and testing (e.g., A/B experimentation)
• You are a highly motivated, result-oriented, enjoy working in a fast-paced environment, and can deliver successful results with required guidance

Your day to day

• Data Collection and Preparation: Gathering loan application data from various sources. Cleanse and preprocess the data to ensure accuracy and consistency. Perform data validation and quality checks to identify and resolve anomalies
• Conduct exploratory data analysis to identify patterns and correlation
• Utilize statistical methods and machine learning techniques to develop risk management strategies
• Collaborate with partners and stakeholders' teams to implement new strategies
• Refine credit policies and underwriting criteria based on data-driven insights
• Monitor the effectiveness of credit policy changes and iterate on strategies to achieve desired outcomes

What do you need to bring-

• A bachelor's or master's degree in business, finance, economics, or a related field.
• Prior experience in credit risk management, or a related field.
• Bachelor's degree or higher in a quantitative field such as Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline.
• 3+ years post-college working experience within the data-mining, quantitative research or analytics organization. Credit Risk experience is a must.
• Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis.
• Strong written, oral, and interpersonal skills a must including the ability to explain and/or present analysis.
• Must have good business judgment with demonstrated ability to think creatively and strategically.
• Aptitude and willingness to roll-up the sleeves and get involved in the details.
• Proficiency in Python, R and SQL.
• Excel, Word, and PowerPoint proficiency
• Must have good business judgment with demonstrated ability to think creatively and strategically.
• Aptitude and willingness to roll-up the sleeves and get involved in the details

•We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply. •


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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.



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:



To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx





PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit paypal.com.


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.



As part of PayPal's commitment to employees' health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.