PayPal Sr Data Scientist United States, Illinois, Chicago 463984668
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.
This role will lead the development and implementation of advanced data science models for loss and delinquency prediction, involve in-depth analysis of credit processes, and enhance transparency around portfolio performance. You will work with stakeholders to understand requirements and deliver solutions.EssentialResponsibilities:
unit economics models forthe working capital productat PayPal,leveragingan NPV-based framework tooptimizeoutcomes across theproductlifecycle.Understand andmaintainall components of NPV models – predictive models, behavioralassumptionsand financial parameters.
Design and implementworking capitalcredit risk strategies tooptimizelending decisions andoptimizerisk& returns.Collaborate with cross-functional teams to align credit strategies with businessobjectivesand regulatory requirements.
maintaintesting frameworks to ensure that sufficient data exists tooptimizefuture decisions across the credit lifecycle.
Monitor key portfoliometricand granular segmentleveland detect emerging credit risk.
Create dashboards andreports, andhighlight credit risk issues. Work with leaders to mitigate themin a timely manner.
optimizeoutcomes for PayPal and the customers of itsworking capitallendingproduct by influencing outcomesinthe application funnel, data and infrastructure, and machine learning modeling.
Track and manage the portfolio within the return requirements and risk appetite of PayPal and our bank partners.
Develop and manage strong working relationships with internal and external partner teams.
ed
Strong data analytics skills with knowledge of lending unit economics
Knowledge of Credit Models and external data landscape used in credit risk management - Credit Bureau, Cashflow data, other nontraditional credit data,
Excellent verbal and written communication skills withabilityto interpret analytical outcomes for broader organization.
Ability to handle large datasets withproficiencyin tools like Python and SQL
Minimum Qualifications:
5 years of work experience in related field, preferably at a known Fintech, Payments Industry or Banks
Bachelor’s degree in quantitative field – Engineering, Mathematics, Statistics, Finance, Economics, Data Science. (Master’s degree preferred but notrequired
Preferred Qualification:
Experience with machine learning techniques and their application in credit risk modeling.
Familiarity with regulatory requirements andindustrybest practices in credit risk managemen
Preferred Qualification:
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 $123,500 to $212,850For 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.
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
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
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