Senior Director, Merchant Lending Risk

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 job will lead the development of cutting-edge data science models and algorithms to solve complex business problems. You will work with cross-functional teams to ensure solutions meet business needs. Your role involves driving innovation in data science practices, ensuring data quality, and mentoring junior scientists.

Job Description:

Essential Responsibilities:

• Develop and articulate a clear, compelling vision and strategy for data science, inspiring the team and aligning with PayPal's long-term goals.
• Lead the execution of high-impact data science projects that drive business transformation and innovation.
• Collaborate with senior executives to integrate data science into strategic planning and decision-making.
• Oversee the development of advanced data science capabilities, including machine learning and AI.
• Ensure the highest standards of data governance, privacy, and security.
• Foster a culture of continuous improvement and innovation within the data science team.

Expected Qualifications:

• Minimum of 18 years of relevant work experience and a Bachelor's degree or equivalent experience.
• Minimum of 5 years management experience

Preferred Qualification:

Job Summary:

• Leads all aspects of credit risk management for all domestic and international merchant lending credit products at PayPal.

Job Description:

Credit Risk Management:  

• Leads all aspects of credit risk management for all domestic and international merchant lending credit products at PayPal, including acquisition credit policy (approve/decline, line assignment, etc.) and customer management (e.g., re-engagement, refinancing). 
• Leads unit economics modeling for all merchant lending credit products at PayPal, leveraging a CLTV-based framework to optimize outcomes across the product lifecycle. 
• Drives credit-driven marketing programs for merchant lending products, including deep engagement with marketing, pre-screen, and pre-approval campaigns. 
• Partners with Business Unit, Data Science, Fraud, Second Line, Legal, Compliance, Marketing, Product, Engineering, Bank Partner, and other teams to optimize outcomes for PayPal and the customers of its merchant lending products by influencing outcomes in marketing programs, the application funnel, data and infrastructure, and machine learning modeling. 
• Develops and maintains testing frameworks to