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- This role offers a unique opportunity to innovate and enhance PayPal's Pay Later credit risk function Meet our team PayPal's US Pay Later team is responsible for partnering with global business units to manage a variety of credit risk strategies. This is an exciting department that plays an important role in contributing PayPal's bottom line financial savings, ensuring safe and secure global business growth, and delivering the best customer experience. This particular opportunity is within the Credit Risk team.


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Your way to impact


This role offers a unique opportunity to innovate and improve PayPal's Pay Later's credit risk function. Design, develop and maintain data-driven solutions for PayPal credit risk management. Make sound decisions that balance risk, user experience and financial performance. Exercise judgment in selecting methods, techniques and evaluation criteria for obtaining results on matters of significance to the business. Develop and automate tracking functionality that monitors volume and solution efficacy. Provide the appropriate framing of business problems, define project plans and work breakdowns, setting timelines and quality metrics for the project, and coordinating activities of cross-functional teams to deliver effective solutions.

Your day to day


In your day to day role you will

• Mine complex data covering a wide range of information (from user profiles to transaction details); design/maintain critical US Pay Later metadata and dashboards that drive key business insights and decisions
• Document data pipeline processes / data flows and design scalable framework for data quality checks and validation processes to ensure accuracy and consistency
• Collaborate with Pay Later Risk Partners like Policy Owners, Data Engineers, Product Owners, SLOD / Governance, Fraud Policy, Collections, etc. ensuring smooth communication of business metrics
• Drive US Pay Later data enhancement initiatives and communicate status of the initiatives to leadership at regular intervals
• Carry out independent research by applying advanced statistical techniques to generate insights and solve risk problems that involve classification, clustering, pattern analysis, sampling, simulations, etc.
• Trouble shooting any data, system and flow challenges while maintaining flawless data availability

What do you need to bring-

• Bachelor's degree or higher in a quantitative field such as Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline.
• Prior experience in lending, credit risk management, or related field (preferred)
• 2+ years post-college working experience within a data-mining, quantitative research or analytics organization.
• 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 SQL, SAS, Python and visualization tools like Tableau, Qlikview, etc.


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.