United States, New York, Risk Management Analyst jobs

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.

You will drive the reimagination of the entire stack, partnering with engineering, data science, and domain stakeholders to increase decision speed, improve performance, and enable platform-wide innovation.

Essential Responsibilities:

• Establish a shared vision across the company for one or more products, or a platform product enabling development & scalability, with a deliberate and cohesive strategy.
• Leads product strategy development, and develops a clear, executable view of the product strategy with cross-functional stakeholders.
• Influences the architectural roadmap and balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability.
• Champions the customer experience and prioritizes customer needs in product requirements and decision making.
• Defines and uses metrics that inform the success of products including usability studies, research and market analysis.
• Standardizes workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making.
• Responsible for product profitability, including budgetary decisions.
• Leads operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews. Interfaces with senior leadership as needed.
• Maximizes efficiency in a constantly evolving environment where the process is fluid and creative solutions are the standard.

Expected Qualifications:

• 10+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
• 2 years of experience leading others

Own

Platform Strategy & Vision

• Define and lead theproduct vision for theAIDecisioning Platform, aligned with business goals across risk, compliance, and credit.

• Articulate along-term roadmapthat scales decisioning capabilities globally, across high-volume, low-latency environments.

End-to-End Stack Ownership

• Drive modernization across theentireAIdecisioningstack, including:

• Foundational data ingestion and quality frameworks

• Real-time and batch feature computation

• AI modeltraining,executionand orchestration

• Rules engines, decision logic, and policyevaluation

• Monitoring, alerting and agentic response

• Ensure the platform ismodular, scalable, and domain-agnosticwhile supporting domain-specific needs.

Product Development & Execution

• Lead product lifecycle from ideation to launch, with an emphasis on customer-centric design and developer experience.

• Balance technical depth and product intuition to makeprioritizationandtradeoffs in a complex ecosystem.

Speed, Accuracy & Resilience

• Set the product direction for improvingdecision latency, model integration speed, and decision quality.

• Prioritize performance, reliability, and observability as first-class platform capabilities.

Cross-Functional Leadership

• fraud, credit, compliance, data science, and infrastructure teamsto understand evolving needs and use cases.

• Align stakeholders across domains to drivestandardization, reduce duplication, and accelerate adoption.

Looking For

Minimum Qualifications

• 10+ years inproduct management, with 5+ years inplatform,ML Ops,ML infrastructure, or decisioning systems

• Strong technical background indataanalytics, ML/AI platforms, feature stores, or policy engines

Preferred Qualifications

• Proventrack recordbuildingdata-driven,ML/AI, real-time decisioning or scoring platforms at scale

• Experience supportingmultiple risk domains or regulated environmentsis a strong plus

Leadership & Mindset

• Strategic thinker who canown a long-term visionwhile delivering iteratively

• Platform evangelist who treats internal teams as customers

• Excellent communication and stakeholder alignment skills

• Comfortable leading in amatrixed, fast-paced environment

Why Join Us?

This is acareer-defining opportunityto shape the next-generationof AIdecisioning platform at PayPalimpactingbillions of decisions annuallyacross fraud, credit, and compliance.join a mission-drivenmodernizing andbuilding scalableand decisioninginfrastructure that powers the future of trustworthy financial innovation.

not justoptimizingdecisions.reimagining howfaster, smarter, and safer.

Ready to redefinedecisioning at PayPal? Apply now and help us buildnext.

Travel Percent:

PayPal is committed to fair and equitable compensation practices.

Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit .

The US national annual pay range for this role is $188,000 to $323,950

PayPal does not charge candidates 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, 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.

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.

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.

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

Essential Responsibilities:

• Lead advanced data analysis projects, applying statistical models and predictive techniques.
• Mentor junior analysts and provide guidance on best practices in analytics.
• Develop actionable insights and recommendations for senior business stakeholders.
• Design, build, and maintain advanced dashboards and data visualizations.
• Partner with business leaders to identify new opportunities for data-driven improvements.

Expected Qualifications:

• 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

* ideally candidate should have 5yrs - 8 yrs of full time industry experience

* solid understand of business domains and lifecycle

* able to act and solve quickly
* solid in SQL and Python

Travel Percent:

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit .

The US national annual pay range for this role is $76,500 to $126,500

Our Benefits:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Collaborate with immediate team members to manage partnerships.
• Engage in regular communication with partners to ensure satisfaction.
• Suggest improvements to team processes and efficiencies.
• Contribute to the development of solutions for partner-related issues.
• Exercise judgment on issues of importance within the team.

Expected Qualifications:

• 1+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Responsibilities:

• Be an expert in the suite of merchant solutions PayPal offers, and be able to identify which solutions solve the partner’s needs
• Educate partners on the functionality, benefits, and value of PayPal products
• Identify and recommend additional products to help the partner maximize PayPal’s value
• Execute multiple projects simultaneously
• Supporting partners through the process of implementing PayPal products on their platforms by providing guidance on the integration and engaging cross-functional teams when needed
• Identify the proper internal contacts needed by building a network of cross-functional relationships
• Consistently follow-up until project is completed
• Demonstrate a strong ability to close the deal while maintaining a high-level of partner satisfaction
• Meet and exceed established productivity goals

Qualifications:

• Superb interpersonal skills and the ability to build relationships and trust quickly over various communication channels
• Top notch listening and communication skills, both verbal and written
• Highly resourceful team member with the ability to be extremely effective both independently and as part of a sales team
• A world-class communicator who can articulate complex ideas in concise and clear language
• Ability to keep multiple projects on track that involve complex solutions
• Comfortable networking to allow for seamless execution of projects with many moving parts
• Demonstrated proactive approaches to problem-solving in order to complete projects
• Must be highly organized, easily adaptable, and thrive on developmental feedback
• Highly competitive with a fire burning inside

Travel Percent:

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit .

The US national annual pay range for this role is $81,000 to $133,100

Our Benefits:

Any general requests for consideration of your skills, please

This job collaborates closely with the business and finance teams on activities such as forecasting, budgeting, month-end closing, financial/deal modeling, performance measurement, reporting and analysis, you will support the development and implementation of transformation projects, optimizing analytics tools and process strategies. Additionally, you will be responsible for reviewing financial or deal model performance, implementing enhancements as needed, you will contribute to improving processes, and you will be collaborating with stakeholders to gather inputs for business forecasts, summarize insights, and present them to senior leadership.

Essential Responsibilities:

• Support planning and forecasting processes
• Review business performance on regular cadences (weekly, monthly,quarterly)Collaboratewith stakeholders to gather inputs and summarize insights
• Produce executive-level presentations
• Work closely with the finance and technical teams to drive process and system improvements
• Facilitate discussions with various stakeholders, manage expectations, and collaborate cross-functionally
• Consult with finance leads to review and discuss key issues, risks, and dependencies for assigned initiatives
• Document and escalate potential risks/issues, assist in developing mitigation strategies, and support their implementation

Expected Qualifications:

• 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Travel Percent:

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit .

The US national annual pay range for this role is $84,500 to $140,250

Our Benefits:

Any general requests for consideration of your skills, please

As an asset-backed finance portfolio manager, you will own PayPal’s off-balance sheet credit portfolio globally. Externally, you’ll be the key interface for investors, banks, and rating agencies on collateral performance, valuation, and post-closing management. Internally, you’ll integrate data, market intelligence, and analytics to report profitability, financial impact, and performance trends to leadership.

Essential Responsibilities:

• Develop and articulate clear plans to optimize the credit portfolio and meet team performance
• Perform more-complex financial objectives highly specialized domain knowledge and advanced business expertise
• Lead some lending activities that align with it's financial objectives and may coordinate activities of others
• Design credit portfolios for long-term financial success understanding of business needs and industry trends
• Determine methods and procedures on new assignments that may impact activities of others

Expected Qualifications:

• 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Responsibilities

• Transaction Execution & Governance – Partner with Capital Markets to lead internally-facing activities related to new issuances, extensions and upsizes; coordinate due-diligence streams, first-/second-line approvals, documentation, and key governance activities
• Post-Execution Portfolio Management – Own weekly/monthly performance reporting, trigger monitoring and incident resolution to preserve balance-sheet resilience.
• Market Intelligence & Valuation – Monitor primary/secondary markets, agency reports, and sell-side color to value portfolios and advise on pricing, structure, and investor appetite.
• Process Scalability & Control – Design frameworks that ensure the future scalability of the capital markets platform by automating low-leverage tasks, retiring legacy pain points, and driving operational control standards.
• Support the portfolio strategy for PayPal’s on-balance sheet credit assets: use unit economics, asset yields and customer lifetime value calculations to perform portfolio valuation analysis and strategy.

Experience & Skills

• Experience in asset-backed finance/ABS, or working knowledge in an adjacent structured finance domain (e.g. private credit, infrastructure, DCM). Corporate strategy experience may also be suitable.
• Comfort translating financial analysis into narrative for consumption by senior management.
• Ability to interpret and sensitize financial models.
• Ability to interpret transaction legal docs.
• Track record managing post-execution credit portfolios, operational risk, and regulatory engagements within a banking, asset manager, corporate treasury or fintech environment.
• Advanced Excel (VBA, Python or SQL a plus).
• Strongstakeholder-managementskills spanning investors, banks, and internal stakeholders.
• High self-direction and bias for process improvement; commitment to responsible AI adoption and continuous learning.
• Some experience of US GAAP and/or IFRS three-statement analysis

Travel Percent:

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit .

The US national annual pay range for this role is $111,500 to $191,950

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Our Benefits:

Any general requests for consideration of your skills, please

to view the notice.

Essential Responsibilities:

• Engage with team members to contribute to pricing solutions and suggest efficiencies.
• Assist in the collection and analysis of pricing data to support decision-making processes.
• Follow established processes and procedures to ensure accurate pricing implementation.
• Collaborate with peers to share insights and improve overall pricing strategies.
• Participate in team meetings to discuss pricing initiatives and provide input on projects.

Expected Qualifications:

• 1+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Travel Percent:

The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit .

The US national annual pay range for this role is $69,000 to $113,850

Our Benefits:

Any general requests for consideration of your skills, please