Senior Director, Merchant Lending Risk

PayPal-posted 2 months ago
$209,000 - $359,150/Yr
Full-time • Senior
Hybrid • Chicago, IL
5,001-10,000 employees
Credit Intermediation and Related Activities
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This job will lead the development of cutting-edge data science models and algorithms to solve complex business problems. You will work with cross-functional teams to ensure solutions meet business needs. Your role involves driving innovation in data science practices, ensuring data quality, and mentoring junior scientists.

  • 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.
  • Collaborate with senior executives to integrate data science into strategic planning and decision-making.
  • Oversee the development of advanced data science capabilities, including machine learning and AI.
  • Ensure the highest standards of data governance, privacy, and security.
  • Foster a culture of continuous improvement and innovation within the data science team.
  • Leads all aspects of credit risk management for all domestic and international merchant lending credit products at PayPal.
  • 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.
  • Partners with Business Unit, Data Science, Fraud, Second Line, Legal, Compliance, Marketing, Product, Engineering, Bank Partner, and other teams to optimize outcomes for PayPal and the customers of its merchant lending products.
  • Develops and maintains testing frameworks to ensure that sufficient data exists to optimize future decisions across the credit lifecycle.
  • Maintains a robust reporting framework to ensure that emerging trends are quickly detected and actioned upon.
  • Acts as the primary Credit Risk contact for the merchant lending portfolios within PayPal and with our partner bank.
  • Develops and manages strong working relationships with internal and external partner teams.
  • Leads and develops a strong, analytical team to create, manage and refine credit policy and strategy.
  • Coaches, motivates, challenges, and provides managerial guidance to the team.
  • Is the preeminent authority on their products and presents, defends, and adjusts strategies and recommendations for optimization.
  • Minimum of 18 years of relevant work experience and a Bachelor's degree or equivalent experience.
  • 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.
  • Experience with small business lending is required.
  • 5+ years of management experience is required; 8+ years of management experience is preferred.
  • Comprehensive knowledge of credit risk trends, unit economics, and first party and third-party fraud risks.
  • Experience with analytical or data management tools (e.g. SAS, SQL, R, Tableau, Python, Excel, and PowerPoint).
  • Demonstrated ability to synthesize, prioritize, and drive results with urgency.
  • Ability to obtain support and buy-in across a wide range of internal and external audience.
  • Experience leading teams to deliver high productivity output.
  • Master's degree preferred.
  • Experience mentoring junior talent to improve the overall productivity of the team and individuals.
  • Flexible work environment.
  • Employee shares options.
  • Health and life insurance.
  • Annual performance bonus (or other incentive compensation, as applicable).
  • Equity.
  • Medical, dental, vision, and other benefits.
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