PayPal Manager Data Science IC 

United States, Illinois, Chicago 

894749567

• Develop and maintain unit economics models for PayPal’s Business Loan (PPBL) using a Customer Level Total Value (CLTV) framework to drive optimal decision-making across the product lifecycle.
• Own and enhance all components of CLTV modeling, including predictive models, behavioral assumptions, and financial parameters.
• Build and manage testing frameworks to generate data that enables informed, optimized credit decisions.
• Build and manage offer framework that enables optimized pricing and line assignment.
• Monitor key portfolio metrics and segment-level performance to identify and address emerging credit risks proactively.
• Design and maintain dashboards and reports that provide visibility into credit performance; escalate issues and collaborate with leadership to resolve them efficiently.
• Partner cross-functionally with teams including Data Science, Fraud, Compliance, Legal, Marketing, Product, Engineering, Bank Partners, and more to align risk strategies with customer and business objectives.
• Ensure credit portfolio performance aligns with PayPal’s return expectations and risk appetite, as well as those of external bank partners.
• Foster strong, collaborative relationships with internal stakeholders and external partners to ensure seamless execution of credit strategies.

Required Skills

• Proven experience with data analytics, particularly in lending unit economics, credit portfolio management, and credit risk strategies.
• Deep understanding of credit models and the external data ecosystem, including credit bureau data, cash flow insights, and alternative credit data sources.
• Strong communication skills with the ability to translate complex analytical insights into clear, actionable strategies for both technical and non-technical audiences.
• Proficiency in handling large datasets using analytical tools such as Python and SQL.

Qualifications

• 8+ years of relevant experience in credit risk, preferably within FinTech, payments, or traditional banking.
• Bachelor's degree in a quantitative field such as Engineering, Mathematics, Statistics, Finance, Economics, or Data Science. (Master’s degree preferred.)
• Or equivalent 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 $152,500 to $262,350

Our Benefits:

Any general requests for consideration of your skills, please