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.
Requirements
- 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.
- Proficiency in handling large datasets using analytical tools such as Python and SQL.
Responsibilities
- 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.
Other
- Strong communication skills with the ability to translate complex analytical insights into clear, actionable strategies for both technical and non-technical audiences.
- 5+ years of relevant experience in credit risk, preferably within FinTech, payments, or traditional banking.
- The US national annual pay range for this role is $123,500 to $212,850
- 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.
- We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.
