Sr Data Scientist ( Credit Risk Strategy )

The Company

The company has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, the company 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. The company 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 company or Venmo account balance, company 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 company, 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:

Business Loan team is looking for a strategic and analytical individual with credit risk experience to help design and manage credit risk strategies. This role will focus on using data to design and improve credit policies that drive healthy growth and strong unit economics.

Job Description:

Credit Risk Management

• Develop and maintain unit economics models for 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.
• Design, build and manage credit strategies across new accounts decisions, loan assignment and pricing, using data and unit economics to guide smart, profitable lending decisions
• 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 the company'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

• 5+ 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.)

Preferred Qualification:

• 5+ 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.)

Subsidiary:

The company

Travel Percent:

0

-

The company 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 https://www.paypalbenefits.com

.

The US national annual pay range for this role is $123,500 to $212,850

The company 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, the company'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 office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits:

At the company, 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

The company 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, the company 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 the company:

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 the company 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 the company.

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.