Sr Data Scientist

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:

Resolutions and Protections team is responsible for managing post transaction risk and dispute policy for PP Card and Token products. The role is critically positioned to improve dispute experience for our customers and manage fraud risk for card products.
PayPal's GFCCP (Global Financial Crimes and Consumer Protection) team is responsible for preventing abuse, ensuring regulatory compliance with best outcomes for our customers. We sit at critical crossroads partnering with global business units like Risk Management, Product Development, Legal and Operations for seamless functioning. We are passionate about building systems that scale with the business and prioritize customer experience while mitigating financial and reputational risk. Our work ensures that customers feel safe transacting on our platform, and that our company can grow responsibly with strong guardrails in place.

Job Description:

Your way to impact

The Data Scientist is responsible for developing, optimizing, and executing data-driven strategies to identify, analyze, and manage payment disputes and chargebacks. This role leverages large datasets to improve dispute resolution outcomes, minimize financial losses, and support operational effectiveness. Working cross-functionally with fraud prevention, customer service, and compliance teams, the analyst/scientist designs actionable insights and scalable solutions to address the root causes of disputes and improve both customer satisfaction and operational efficiency.

Your day to day

• Analyze large volumes of transaction, dispute, and chargeback data to identify trends, root causes, and fraud patterns.
• Develop and optimize dispute strategies for PayPal, leveraging knowledge of U.S. or international financial markets, card networks and customer spending behavior.

• Develop business cases in support of new risk policies, vendor integrations, and PayPal dispute infrastructure enhancements.
• Come up with post transaction risk requirements for product initiatives and prioritize said requirements with partner teams

• Consult/partner with other PayPal business and technology groups to assure the optimal deployment of payment solutions to satisfy customer needs and corporate objectives. 
• Monitor regulatory trends and card network requirements related to disputes and chargebacks and ensure compliance through ongoing analysis and reporting.

• Work with International team members to exchange and implement best practices across PayPal’s existing footprint.

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