Senior Product Manager

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:

As a Consumer Risk Product Manager at PayPal, you will be responsible for developing and managing products and strategies that mitigate fraud and reduce risk while maintaining a seamless user experience. This role is pivotal in balancing fraud prevention with customer satisfaction, leveraging PayPal's extensive data and advanced technologies. You will partner closely with cross-functional teams—including engineering, data science, operations, and business stakeholders—to design risk mitigation features and ensure real-time decision-making systems are effective. You will use data-driven insights to define requirements, measure performance, and iterate on solutions to ensure that PayPal’s ecosystem remains secure and trusted by millions of users worldwide

Job Description:

In your day-to-day role, you will: 

• Design and implement proactive and reactive risk management frameworks to predict, identify, and mitigate potential threats across the consumer transaction lifecycle.

• Work closely with engineering, data science, and Consumer teams to develop and refine risk requirements that align with business objectives and regulatory requirements.

• Leverage PayPal’s extensive transaction data and advanced machine learning capabilities to analyze fraud patterns and develop effective mitigation strategies

• Oversee the end-to-end product lifecycle, from ideation to deployment, ensuring timely delivery and continuous improvement of risk management solutions.

• Establish and track key performance indicators (KPIs) related to fraud rates, false positives, and customer impact to assess the effectiveness of risk strategies. ​

• Foster trust and cultivate strong relationships across the organization to drive collaboration, alignment, and consensus on strategic initiatives.

Qualifications

• 6+ years of product management experience, driving end-to-end product development and delivering impactful solutions.

• Demonstrated passion for solving customer pain points through robust backend risk infrastructure, with a foundation in risk management principles and best practices.

• Strong technical acumen with a proven ability to push boundaries and deliver exceptional value to end users.

• Experience in early-stage product development, with a creative and agile approach to rapidly drive learning and deliver impact.

• Highly analytical and data-driven mindset, with the ability to define success metrics, track performance, and influence outcomes through quantitative insights.