Manager, Data Science

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:

The PayPal Working Capital (PPWC) team is looking for a high-potential individual to develop the next generation of frameworks and strategies for Risk Policy actions.

Job Description:

PayPal's Credit Organization is responsible for managing the risk throughout the lifecycle of PayPal's credit products. This is an exciting organization where the contributions by the team members can really help PayPal's bottom line and create experiences that our customers love.

The PayPal Working Capital (PPWC) team is looking for a high-potential individual to develop the next generation of frameworks and strategies for Risk Policy actions.

Candidate will be working with the PayPal Working Capital credit team to evolve strategies/reporting, related to Merchant eligibility, underwriting criteria, and loan assignment and/or collections capabilities.

• Conceive, design & monitor credit risk management strategies to improve business profitability in the areas of underwriting, credit line management, universe expansion and alternative data evaluation for small business lending.
• Analyze customer level information to determine the effectiveness of credit policies and recommend necessary changes to improve profitability.
• Innovative use of data and processes to improve risk management strategies and the customer experience
• Analyze portfolio trends to deliver strategic business insight from internal and external data.
• Communicate concise and actionable business strategies from vast amounts of data for Sr. Management.
• Present new strategy recommendations for management approval.

Requirements

• Bachelor’s degree or higher in a quantitative field such as Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline.
• Post-college working experience within the data-mining, quantitative research or analytics organization. Credit risk experience is a plus.
• Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis.
• Strong written, oral, and interpersonal skills including the ability to explain and/or present analysis.
• Must have good business judgment with demonstrated ability to think creatively and strategically.
• Aptitude and willingness to roll-up the sleeves and get involved in the details.
• Proficiency in SAS and SQL.
• Excel, Word, and PowerPoint proficiency

Preferred Qualification:

Subsidiary:

PayPal

Travel Percent: