PayPal is looking to solve complex business problems through cutting-edge data science models and algorithms, specifically focusing on credit risk management for merchant lending products to optimize outcomes and drive business transformation.
Requirements
- Experience with analytical or data management tools (e.g. SAS, SQL, R, Tableau, Python, Excel, and PowerPoint)
- Comprehensive knowledge of credit risk trends, unit economics, and first party and third-party fraud risks.
- Experience with small business lending is required.
- Minimum of 5 years management experience
- 15+ years of experience in credit risk management or a related quantitative discipline at either a fintech or a large bank
- 15+ years of experience leveraging large, complex data to drive business decisions.
- 5+ years of management experience is required; 8+ years of management experience is preferred.
Responsibilities
- Develop and articulate a clear, compelling vision and strategy for data science, inspiring the team and aligning with PayPal's long-term goals.
- Lead the execution of high-impact data science projects that drive business transformation and innovation.
- Oversee the development of advanced data science capabilities, including machine learning and AI.
- Leads all aspects of credit risk management for all domestic and international merchant lending credit products at PayPal, including acquisition credit policy (approve/decline, line assignment, etc.) and customer management (e.g., re-engagement, refinancing).
- Leads unit economics modeling for all merchant lending credit products at PayPal, leveraging a CLTV-based framework to optimize outcomes across the product lifecycle.
- Drives credit-driven marketing programs for merchant lending products, including deep engagement with marketing, pre-screen, and pre-approval campaigns.
- Develops and maintains testing frameworks to ensure that sufficient data exists to optimize future decisions across the credit lifecycle.
Other
- Minimum of 18 years of relevant work experience and a Bachelor's degree or equivalent experience.
- Minimum of 5 years management experience
- Travel Percent: 10-
- This role will also require you to own and deliver on a roadmap to bring best in class credit and underwriting practices for PayPal’s merchant lending products worldwide and contribute to fulfill PayPal’s aspirations in gaining market share in this business.
- Looking for a high energy individual who can lead a team of credit analysts, managers, and directors, to accomplish PayPal’s growth goals in unsecured short- and long-term loans and make contributions at-scale.
