Job Description

The Company


PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets 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 may 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 friends 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 friction 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, Innovation, 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.


Summary: What you need to know about the role You will lead the design and execution of safer experiences for our users and will work on the complex task of keeping fraudsters away from PayPal Credit products. If you're looking to make an impact at the red-hot intersection of ePayments, consumer lending and online risk management, you're at the right place. Meet our team PayPal Credit is the simple, flexible credit line built into your PayPal account. The PayPal Credit Risk Organization is responsible for managing the risk throughout the lifecycle of PayPal's Credit products. This is an exciting, fast-paced organization where the contribution by team members can significantly impact PayPal's bottom line as well as our customers' experience. We're looking for an Analyst to join the team and help in our efforts to manage PayPal Credit risk globally.


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Your way to impact


This role is with the Fraud Strategy and Analytics team in the Global Pay Later team. This team is part of PayPal's Risk organization and is responsible for mitigating fraud on PayPal's global installment products. Fraud Strategy & Analytics team is responsible for mitigating fraud on PayPal's installments and revolving products globally.

Your day-to-day

• Conceive, design, and monitor fraud risk management strategies to manage fraud losses and improve business profitability for consumer lending products
• Identify opportunities and gaps within the current portfolio of PayPal's Fraud Risk controls, including continuously evolving fraud trends
• Formulate & propose solutions to ensure optimal balance between user experience, business enablement, operational expense and loss exposure
• Communicate concise and actionable business strategies and present new strategy recommendations to senior management for approval
• Monitor performance of existing & new solutions and optimize to ensure desired results
• Work closely with partners in Risk Platform, Data Sciences, Operations, Product Management, Legal & Compliance and other teams to formulate and execute fraud risk solutions
• Collaborate with external partners, including external credit/banking partners and data vendors
• Works independently and proficiently on multiple assignments simultaneously with speed and quality

What do you need to bring

• Bachelor's degree in Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline
• 3-6 years proven credit or fraud risk analytics experience or equivalent
• Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis
• Proficiency in SQL and Excel. Proficiency in at least one statistical analysis tool: SAS / R / Python
• Strong written, oral, and interpersonal skills a must including the ability to explain and/or present analysis
• Ability to contribute to strategic discussions and represent Risk in cross-functional meetings
• Ability to manage a large, diverse set of to-do's - prioritize, stay on top of multiple workstreams, monitor progress
• Ability to work with leadership & stakeholders to define project scope and direction, driving large pieces of the work independently
• Experience working with cross-functional, geographically distributed teams, managing by influence is a plus.
• Ability to manage and mentor junior team members
• Dedicated, proactive, curious and eager to learn new approaches / methodologies - a must


For the majority of employees, PayPal's 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:


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





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 paypalglobaltalentacquisition@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.