Data Scientist

Job description

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives.

Job Description Summary:
What you need to know about the role- This role offers a unique opportunity to innovate and improve PayPal’s Cobrand Credit Card Acquisition credit risk strategies. Meet our team PayPal's Cobrand team is responsible for partnering with both internal and external business units to manage a variety of credit risk strategies on acquisitions such as approve decline and initial line assignment. This is an exciting department that plays an important role in contributing PayPal's bottom line financial savings, ensuring safe and secure global business growth, and delivering the best customer experience. This opportunity is within the Credit Risk team.

Job Description:
Your way to impact-

This role offers a unique opportunity to innovate and improve PayPal’s Cobrand Credit Card Acquisition credit risk strategy. Design, develop and maintain data-driven solutions for PayPal credit risk management. Make sound decisions that balance risk and reward, user experience and financial performance. Exercise judgment in selecting methods, techniques and evaluation criteria for obtaining results on matters of significance to the business. Develop and automate tracking functionality that monitors volume and solution efficacy. Provide the appropriate framing of business problems, define project plans and work breakdowns, setting timelines and quality metrics for the project, and coordinating activities of cross-functional teams to deliver effective solutions.

Your day to day –

  • Apply advanced statistical techniques and algorithms on complex datasets to build statistical or financial models for prediction of risk and revenue and driving actionable business insights for PayPal product or customer level credit risk management
  • Mine data covering a wide range of information from user profile to transaction details to solve risk problems that involve classification, clustering, pattern analysis, sampling, simulations. Leverage data to support PayPal’s Cobrand Card business program and insights via monitoring, and reporting leveraging scalable and flexible platforms
  • Conduct a 360 credit risk framework that covers risk lifecycle metrics and customer experience/engagement metrics for decisioning and drive cross team collaboration. Conduct on-going performance overview to senior leadership team
  • Carry out independent research and innovation in new content, ML and technological domains. Trouble shooting any data, system and flow challenges while maintaining flawless strategy execution

What Do You Need To Bring-
  • Master’s degree with 1-4 years professional experiences in related fields. Job level may be adjusted to match the experiences of candidates.
  • Data driven mindset with degree in a quantitative discipline such as Computer Science, Statistics, Mathematics.
  • Proven experience in employing mathematical, statistical and data mining methods on real world problems.
  • Proficient in data mining and familiar with SQL, BigQuery, SAS, Python, and other big data tools
  • Must be an intuitive, organized analytical thinker, with the ability to drive analysis end to end.
  • Industry experience in payments, e-commerce, or financial services is a plus.
  • Exceptional written and verbal communication skills to influence cross-functional teams.

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

The U.S. national annual pay range for this role is $72700 to $176000

Our Benefits:

At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset—you. That’s why we offer benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit

Who We Are:

To learn more about our culture and community visit

PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit

PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at

As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.

REQ ID R0111151

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