PayPal Director Working Capital Loans Credit Risk France, Auvergne-Rhône-Alpes 552385642
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Essential Responsibilities:
- Develop and implement the overall data science strategy, aligning with corporate goals and objectives.
- Lead the design and execution of advanced data science projects to support strategic decision-making.
- Collaborate with executive leadership to identify and prioritize data-driven opportunities.
- Oversee the development and maintenance of data infrastructure, ensuring scalability and efficiency.
- Ensure compliance with data privacy and security regulations.
- Drive innovation in data science practices and tools, staying ahead of industry trends.
Minimum Qualifications:
- Minimum of 15 years of relevant work experience and a Bachelor's degree or equivalent experience.
- Minimum of 3 years management experience
Credit Risk Management:
Leads all aspects of credit risk management for allPayPal Working Capital
unit economicsmodelsfor allWorking Capitalcredit products at PayPal,leveragingan NPV-based framework tooptimizeoutcomes across the product lifecycle.
merchants who use Working Capitalproducts by influencing outcomes in marketing programs, the application funnel, data and infrastructure, and machine learning modeling.
Fosters a culture of experimentation tooptimizedecisions based on clearobjective(i.e.well-defined metric).
maintainstesting frameworks to ensure that sufficient data exists tooptimizefuture decisions across the credit lifecycle.
Maintains a robust monitoring and reporting framework to ensure that emerging trends are quickly detected and actioned upon, and to ensure that leadership is aware of portfolio performance.
Manages the portfolio within the return requirements and risk appetite of PayPal and our bank partners.
Stakeholder Management:
Acts as the primary Credit Risk contact for theWorking Capitalproduct within PayPal.
Develops and manages strong working relationships with internal and external partner teams.
Is the key conduit for their products into product, Collections, and Fraud strategy (asappropriate)
Leadership and Team Development:
Leads and develops a strong, analytical team to create, manage and refine credit policy and strategy.
Coaches, motivates, challenges, andprovidesmanagerial guidance to the team. Develops and executes training and development programs for the team.
Demonstrates a clear strategic vision to the team.
Solves problems and makes decisions with sound judgement.
Provides continuous feedback and completes formal performance evaluations.
Values team recognition, diversity and creates an inclusive environment to celebrate the accomplishments of individual team members as well as the overall team.
Influence, Collaboration, and Communication:
Is the preeminent authority on their products and presents, defends, and adjusts (as needed and within established credit risk tolerance guidelines) strategies and recommendations for optimization to the chief credit officer along with key internal partners.
Is confident in decision making and actively contributes to decisions even if tangential to Credit risk.
Requirements
10+ years of experience in credit risk management or a related quantitative discipline at either a fintech or a large bank
10+ years of experienceleveraging
Experience withbusiness lending products preferred.
Comprehensive knowledge of credit risk trends, unit economics, and first party and third-party fraud risks.
Experience with analytical or data management tools (e.g.SQL, R, Tableau, Python,Exceland PowerPoint)
Demonstrated ability to synthesize,prioritizeand drive results with urgency
Ability to obtain support and buy-in across a wide range of internal and external audience
Experience leading teams to deliver high productivity output. Mentoring junior talent to improve the overall productivity of the team and individuals
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 $188,000 to $323,950
Our Benefits:
Any general requests for consideration of your skills, please
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