Job Description

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 Description Summary:

What you need to know about the role-
• This position is part of the Global Commercial Lending Credit Risk team and will be responsible for performing data analytics using machine learning tools to identify opportunities and build strategies to mitigate risk associated with commercial lending portfolio
• This position will play a crucial role in developing and refining credit risk management strategies pertaining to New Accounts acquisition.
• This position will be responsible for analyzing large datasets identifying trends and providing insights to inform decision making processes aimed at mitigating credit risk exposure for the organization.
Meet our team
• You will directly impact the Global Merchant Lending business by delivering strategies that will enable overall growth of the commercial lending portfolios, while effectively managing credit risk.
• You will report to Manager, Global Commercial Lending
• The GML Credit Risk team directly supports the GML Business Unit and other relevant key stakeholders across PayPal's Consumer, Merchant, Credit, and Payments Business Units.

Job Description:

Your way to impact

• You believe in data-driven decisions and use data to create risk management strategies and answer business questions

• You are hyper-analytical, intellectually honest, and extremely passionate about data and testing (e.g., A/B experimentation)

• You are a highly motivated, result-oriented, enjoy working in a fast-paced environment, and can deliver successful results with required guidance  

Your day to day

• Data Collection and Preparation: Gathering loan application data from various sources. Cleanse and preprocess the data to ensure accuracy and consistency. Perform data validation and quality checks to identify and resolve anomalies

• Conduct exploratory data analysis to identify patterns and correlation

• Utilize statistical methods and machine learning techniques to develop risk management strategies

• Collaborate with partners and stakeholders' teams to implement new strategies

• Refine credit policies and underwriting criteria based on data-driven insights

• Monitor the effectiveness of credit policy changes and iterate on strategies to achieve desired outcomes

What do you need to bring-

• A bachelor's or master's degree in business, finance, economics, or a related field.

• Prior experience in credit risk management, or a related field.

• Bachelor’s degree or higher in a quantitative field such as Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline.

• 3+ years post-college working experience within the data-mining, quantitative research or analytics organization. Credit Risk experience is a must.

• Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis.

• Strong written, oral, and interpersonal skills a must 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 Python, R and SQL.

• Excel, Word, and PowerPoint proficiency

• 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

**We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply.

Additional Job Description:

Subsidiary:

PayPal

Travel Percent:

0

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

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 https://www.paypalbenefits.com.

Who We Are:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion 

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 paypalglobaltalentacquisition@paypal.com.  

Belonging at PayPal: 

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.

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