Manager - US & CA BNPL Short Term Lending

This role is charged with managing PayPal's credit risk strategy teams for US and Canada Pay in 4 products. You will own the development and implementation of strategies including eligibility, credit approval, and line assignment. Your teams will maintain reporting and monitoring of approval rates and credit performance. You will collaborate with cross-functional teams like legal, compliance, product, marketing, and engineering to ensure timely policy implementation. You will also engage with stakeholders to align work with PayPal's business objectives, leading data science projects and fostering continuous learning.

Must Have

• Manage PayPal's credit risk strategy teams
• Own development and implementation of strategies
• Maintain reporting and monitoring of performance
• Collaborate with cross-functional teams
• Align work with business objectives
• Lead data science projects
• Develop and maintain data models
• Analyze complex datasets for insights
• Ensure data quality and integrity
• Mentor junior data scientists
• 5+ years relevant experience
• Bachelor’s degree or equivalent
• Define and manage credit risk proposals
• Drive credit risk roadmap
• Maintain TPV and credit loss projections

Perks & Benefits

• Flexible work environment
• Employee shares options
• Health insurance
• Life insurance
• Balanced hybrid work model

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.

Job Summary:

This role is charged with managing PayPal's credit risk strategy teams, responsible for our US and Canada Pay in 4 products. You will own the development and implementation of our strategies, including eligibility, credit approval, and line assignment decisions. Your teams will be tasked with maintaining reporting and monitoring of approval rates and credit performance. You will work with cross functional teams including legal, compliance, product, marketing, and engineering to ensure our policies are implemented in a proper and timely manner. You will engage with stakeholders across the organization to align our work with PayPal's business objectives.

Job Description:

Essential Responsibilities:

• Lead and manage data science projects, ensuring timely delivery and alignment with business goals.
• Develop and maintain data models, algorithms, and reporting systems to support data analysis and decision-making.
• Analyze complex datasets to identify trends, patterns, and insights that drive strategic initiatives.
• Collaborate with cross-functional teams to understand data needs and provide actionable insights.
• Ensure data quality and integrity through regular audits and validation processes.
• Mentor and guide junior data scientists, fostering a culture of continuous learning and improvement.

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

• Define and manage credit risk strategy proposals, ensuring all relevant stakeholders are consulted and approvals are received.
• Collaborate with cross-functional teams to implement strategies, and ensure appropriate monitoring and action plans are in place.
• Identify areas of opportunity aligned with business goals, and drive the credit risk roadmap to responsibly grow our Pi4 business
• Maintain projections for TPV and credit losses. Provide updates to leadership on key initiatives.
• Mentor and guide team members, fostering a culture of continuous learning and improvement.

Subsidiary:

PayPal

Travel Percent:

0

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 https://careers.pypl.com/contact-us

.

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 https://www.paypalbenefits.com

.

Who We Are:

Click Here

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 at paypalglobaltalentacquisition@paypal.com

.

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 Join our Talent Community

.

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

About Us

PayPal is on a mission to revolutionize commerce globally. We’re driving our company, industry, and society forward with vision and velocity. With our commitment to excellence, innovation, and talent, the possibilities are limitless.

Learn more at PayPal.com/Jobs

• Learn more

about privacy-related questions or data retention.

• If you would like your profile to be deleted from our system, please let us know

Please note that this site has updated features that can’t run on older versions of Internet Explorer. Please use IE11 or MS Edge for an optimal experience.

Read More

Candidate Account Creation Guidelines

When applying for a job you are required to create an account, if you have already created an account - click Sign In.

Creating an account will allow you to follow the progress of your applications. Our system does have some requirements that will help us process your application, below are some guidelines for creation of your account:

• Provide full legal First Name/Family Name – this is important for us to ensure our future hires have the right system set up.
• Please Capitalize first letter of your First and Last Name.
• Please avoid using fully capitalized text for your First and/or Last Name.
• NOTE: If your name is hyphenated or has multiple capitalization, please use the same format as your government ID.

Read More

Internet

Please note that this site has updated features that can’t run on older versions of Internet Explorer. Please use IE11 or MS Edge for an optimal experience.