Sr Data Scientist, Credit Risk Oversight

PayPal • Austin, TX

3d • Hybrid

About The Position

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 Summary: This role is responsible for providing analytical support for the oversight of Small Business Lending products, including their Underwriting and Account Management practices, ensuring that the portfolio is properly managed and is operating according to strategic goals and within the risk appetite. As part of the Second Line of Defense function, you will combine analytical rigor with credit risk domain expertise to provide independent oversight, delivering effective challenges on credit strategy and risk controls. • To be successful, this role requires strong analytical skills, understanding of Credit Risk principles, and the ability to collaborate across multiple functions while maintaining independence.

Requirements

• 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

Nice To Haves

• An advanced degree in a quantitative field, such as statistics, mathematics, computer science or engineering (preferred).
• 2+ years of experience in credit risk management/lending, involving understanding of credit risk fundamentals (e.g. underwriting principles, credit risk metrics) (preferred).
• Strong analytical skills, demonstrating ability to work with data, identify patterns, derive/visualize business insights, and translating them into compelling narratives.
• Experience with merchant or small business lending environments is a strong plus.
• Understanding of second line of defense functions is a strong plus
• Proficiency with Python, SQL, or other statistical analysis tools is a strong plus.
• Excellent written and verbal skills; interpersonal and collaborative skills; ability to communicate credit risk concepts to technical and non-technical audiences; ability to communicate second line challenges in an effective and respectful manner.
• Critical thinker with strong influencing, negotiation, and relationship building skills; an ability to interface internally and externally to ensure successful, high-quality outcomes.
• Ability to work with geographically disperse teams, especially with teams situated abroad and in different time zones.

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.
• Ability to assess, review and analyze current credit strategy and exposure limits/thresholds to ensure alignment to the Risk Appetite. Ensure adherence to changes in the business model and/or regulatory environment.

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 comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level