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:

PayPal 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 PayPal’s 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 PayPal’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,