Manager, North America BNPL Credit Risk Strategy

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 design and implement credit risk strategies for the US & Canada BNPL Pay Monthly product. You will work with stakeholders across the business, including product, sales, marketing, finance, and collections to achieve business goals. You will work with legal, compliance, and engineering teams to implement, test, and monitor credit risk strategies and their performance.

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:

Additional Responsibilities

• Implement credit risk strategies that continue to grow our US & Canada BNPL products, in a responsible manner
• Design tests to continuously learn about our customers
• Align priorities with relevant stakeholders across the business
• Collaborate with legal, compliance, product, and engineering teams to ensure policies are implemented on time and with appropriate monitoring and controls
• Take a proactive approach to influence decisions that impact all aspects of the application funnel

Preferred Qualifications

• Experience managing credit risk for a BNPL or install loan product
• Proficiency in SQL and Python, or a similar language

Subsidiary:

PayPal

Travel Percent:

0

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PayPal 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