Credit Risk Data Scientist

About the job

Job Description Summary: Credit risk data scientist for the geo-expansion function as part of the European and Australian Buy Now Pay Later Risk Team. The role focus is on analyzing and identifying consumer risk trends in prospective markets, making recommendations for optimal credit risk strategies and the BNPL funnel. It's a hands-on data/analytics-heavy role within a high-impact credit risk organization. Essential Responsibilities: • Lead the development and implementation of advanced data science models. • Collaborate with stakeholders to understand requirements. • Drive best practices in data science. • Ensure data quality and integrity in all processes. • Mentor and guide junior data scientists. • Stay updated with the latest trends in data science. Expected Qualifications: • 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Responsibilities Additional Responsibilities and Preferred Qualifications: • Work with P&L owners and other stakeholders to analyze, propose and implement robust strategies to support global expansion across the lifecycle of Buy Now Pay Later. • Measure the P&L impact of credit strategies to optimize mix of risk and revenue, and support the production of business cases. • Share insights with leadership on book quality and provide recommendation on risks and opportunities. • Explore data sources internal and external to PayPal and evaluate their potential contribution to the credit underwriting process in new regions. • Work with local compliance and legal teams to take into account local regulations for any new expansions. Requirements: • Proven experience in credit risk management is a must, along with in-depth market knowledge of credit performance, data providers, credit and behavioral scoring and industry best practices. • Minimum 4 years’ experience in credit and/or Fraud risk management and underwriting in consumer credit products (e.g. Credit cards, instalment loans or other revolving credit products), preferably with a fintech background. • Strong written, oral, and interpersonal skills a must including the ability to explain / present technical business flows. • Experience with credit bureaus and other sources of consumer data. Qualifications: • Typically requires a minimum of 4 years of related experience with a Bachelor’s degree; or 3 years and a Master’s degree; or a PhD without experience; or equivalent work experience. • Experience with analytics and data mining tools, such as SQL, Python, Advance Excel, Tableau. • Proven ability to influence, work collaboratively, build and maintain relationships throughout the organization. • Must have good judgment with the demonstrated ability to think creatively and strategically.

Requirements

• Credit Risk Management
• Data Science
• SQL
• Python
• Data Analytics

Qualifications

• Bachelor’s Degree
• Master’s Degree
• PhD

Preferred Technologies

• Credit Risk Management
• Data Science
• SQL
• Python
• Data Analytics

Benefits

• Flexible work environment
• Employee shares options
• Health insurance
• Life insurance

About 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.