דרושים Data Scientist ב-United States, Illinois, Chicago

Essential Responsibilities:

• Lead complex data science projects, ensuring they meet business objectives and deliver actionable insights.
• Develop advanced data models and algorithms to analyze large datasets and solve complex business problems.
• Collaborate with senior leadership to identify data-driven opportunities for business growth and efficiency.
• Implement best practices for data management, analysis, and visualization.
• Ensure data governance and compliance with relevant regulations and standards.
• Provide mentorship and technical guidance to the data science team.

Expected Qualifications:

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

Responsibilities

• Design and enhance credit strategy frameworks governing originations, renewals, and portfolio management to support healthy and scalable growth
• Develop and maintain credit policies and guardrails that balance business expansion with sound risk management principles
• Build analytical frameworks and monitoring tools to assess portfolio health, track early warning indicators and identify emerging risks
• Partner with data science on deployment, monitoring and calibration of credit risk models and segmentation strategies
• Collaborate with Commercial, Product, Platform, Governance, Engineering, and Finance teams to integrate credit strategies and decisioning into product design and system architecture

Required Skills

• Proven experience in credit risk strategy, policy development, and portfolio analytics
• Strong understanding of the commercial credit ecosystem including credit products, bureau information, bank and cash flow data, and alternative data sources used for credit risk underwriting and monitoring
• Demonstrated analytical and quantitative skills with the ability to translate insights into actionable strategy
• Excellent communication and influencing skills with experience presenting to senior management

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 .

Our Benefits:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Lead the development and implementation of advanced data science models.
• Collaborate with stakeholders to understand requirements.
• Drive best practices in data science.
• Ensure data quality and integrity in all processes.
• Mentor and guide junior data scientists.
• Stay updated with the latest trends in data science.

Expected Qualifications:

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

• Develop, refine, and implement credit risk strategies using advanced analytics and unit economics to guide smart, profitable lending decisions
• Take ownership of key performance indicators (KPIs) and metrics related to credit risk for new accounts and applications
• Monitor key portfolio metrics and segment-level performance to identify and address emerging credit risks proactively
• Partner cross-functionally with teams including Machine Learning, Fraud, Compliance, Legal, Marketing, Product, Engineering, Bank Partners, and more to align risk strategies with customer and business objectives
• Effectively communicate complex findings and strategy recommendations to both technical and non-technical audiences
• Lead end-to-end project execution with minimal assistance as a credit risk expert
• Keep up-to-date with industry trends, best practices, and emerging risks related to commercial lending

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 .

Belonging at PayPal:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Lead complex data science projects, ensuring they meet business objectives and deliver actionable insights.
• Develop advanced data models and algorithms to analyze large datasets and solve complex business problems.
• Collaborate with senior leadership to identify data-driven opportunities for business growth and efficiency.
• Implement best practices for data management, analysis, and visualization.
• Ensure data governance and compliance with relevant regulations and standards.
• Provide mentorship and technical guidance to the data science team.

Expected Qualifications:

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

Key Responsibilities

New Data Sources

• Identify, evaluate, and onboard new data sources to enhance risk controls, drive marketing, and enhance profitability for existing credit products and to support risk controls for other PayPal products.
• Identify, evaluate, and onboard data sources for new credit product launches, including in new countries across the globe.
• Rapidly evaluate the potential of external data in predictive modeling and decisioning, including using AI/ML techniques.

Credit Bureau Strategy

• Define and execute the strategy for credit bureau data usage across credit and risk domains across the globe, based on product, market, regulatory, and commercial considerations.
• Drive commercial strategy and negotiations with credit bureaus from a PayPal-wide perspective.

Leadership & Stakeholder Management

• Build, lead, and develop a small high-performing team.
• Collaborate cross-functionally with Credit Risk, Fraud Risk, Machine Learning, Artificial Intelligence, Vendor Management, Data Platform, Data Operations, Legal, and Compliance teams.
• Lead strategic partnerships and contract negotiations with external data vendors.

Skills Required

• Track record of building and managing a high-performing team and fostering a culture of innovation, accountability, and focus on the customer.
• Strategic thinker with a deep understanding of how data can be leveraged to manage credit risk (understanding of fraud risk and marketing for lending products strong bonuses).
• Experience working with credit bureau and alternative data sources, with a track record of deploying these assets to drive business impact in lending or credit risk functions.
• Experience working in a highly matrixed environment and successfully collaborating with multiple partner teams to deliver meaningful impact.
• Working knowledge of how AI/ML techniques can enhance data value and ability to collaborate closely with machine learning and AI teams.
• Understanding of relevant regulatory environments (e.g., FCRA, ECOA, GLBA, GDPR), especially as they apply to data sourcing and usage.
• Trusted relationship builder with external data providers and internal stakeholders, including managing sensitive negotiations and long-term partnerships.

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 .

Our Benefits:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Lead the development and implementation of advanced data science models.
• Collaborate with stakeholders to understand requirements.
• Drive best practices in data science.
• Ensure data quality and integrity in all processes.
• Mentor and guide junior data scientists.
• Stay updated with the latest trends in data science.

Expected Qualifications:

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

Your way to impact:

• You will own & execute fraud prevention strategies for our global merchant lending products
• You will utilize large, complex datasets to make data-driven decisions and answer business questions

In your day-to-day role, you will:

• Conceive, design, and monitor risk management strategies to manage fraud losses and improve business profitability for credit products
• Identify opportunities and gaps within 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
• Effectively communicate complex findings and strategy recommendations to both technical and non-technical audience
• Monitor performance of existing & new solutions and optimize to ensure desired results
• Work closely with partners in Risk Platform, Data Science, Operations, Product Management, Legal & Compliance and other teams to formulate and execute fraud risk solutions

What you need to bring:​

• Bachelor’s degree or higher in Mathematics, Statistics, Operations Research, Finance, Economics or related quantitativediscipline
• 3+ years proven credit or fraud risk analytics experience or equivalent
• Must be an intuitive, organized analytical thinker, exceptional problem solver with the ability to perform detailed analysis
• Strong written, oral, and interpersonal skills a must including the ability to explain and/or present analysis
• Aptitude and willingness to roll-up the sleeves and get involved in the details
• Must have good business judgment with demonstrated ability to think creatively and strategically
• Ability to work with leadership & stakeholders to define project scope and direction, driving large pieces of the work independently
• Ability to maintain a flexible work schedule to collaborate effectively with teams across multiple time zones
• Proficient in Python, R, SQL
• Proficient in Excel, Powerpoint & Word

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 .

Our Benefits:

Any general requests for consideration of your skills, please

Essential Responsibilities:

• Lead the development and implementation of advanced data science models.
• Collaborate with stakeholders to understand requirements.
• Drive best practices in data science.
• Ensure data quality and integrity in all processes.
• Mentor and guide junior data scientists.
• Stay updated with the latest trends in data science.

Expected Qualifications:

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

Skills and background requirement:

-3+ years of experience in solving problems using a data-driven approach

-Strong proficiency in analytical tools and languages such as SQL, Python, BigQuery, Machine learning and data visualization tools (e.g., Tableau, Power BI).

Proven track record in the field of data analysis or statistical analysis

Outstanding written, verbal, and interpersonal communication skills

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 .

Our Benefits:

Any general requests for consideration of your skills, please

• Bachelor's degree in Accounting or Finance, or equivalent practical experience.
• 4 years of experience in tax.
• Experience in SQL and managing structured data.
• Experience in Google Suite (advanced formulas, macros, and Appscript).
• Experience with data automation and visualization tools.

• Experience in programming with Python or Javascript.
• Knowledge of tax accounting principles, tax regulations, and compliance requirements.
• Understanding current AI technology trends, available tools and advanced prompting.
• Ability to work separately with limited guidance and supervision while meeting the desired timeline.
• Excellent problem-solving skills with the ability to manage datasets.
• Excellent written and verbal communication skills to collaborate effectively with various stakeholders.