Sr Data Scientist

PayPal•San Jose, CA

20h•Hybrid

About The Position

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. PayPal's GFP Fraud Risk team is responsible for partnering with global business units to manage a variety of risk of various types, including identity fraud, account takeover, stolen financial fraud, and credit issues. This is an exciting department that plays an important role in contributing PayPal's bottom line financial savings, ensuring safe and secure global business growth, and delivering the best customer experience. This particular opportunity is within the Debit Card Fraud Risk team. The primary responsibility of the Sr. Data Scientist, Risk Strategy is to help reduce Card losses by developing and optimizing risk strategies throughout the customer lifecycle. A large part of the role is driving business strategy recommendations through data analytics on Card authorization and PayPal customer data.

Requirements

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

Nice To Haves

Develop and optimize risk strategies for PayPal, leveraging knowledge of U.S. or international financial markets, card networks and customer spending behavior.
Manage a portfolio of relationships to ensure that payment solutions meet financial and timeline objectives; Creatively leverage partnerships to further PayPal’s strategic business objectives.
Develop business cases in support of new risk policies, risk vendor integrations, and PayPal risk infrastructure enhancements.
Come up with risk requirements for product initiatives and prioritize said requirements with partner teams
Consult/partner with other PayPal business and technology groups to assure the optimal deployment of payment solutions to satisfy customer needs and corporate objectives.
Work with International team members to exchange and implement best practices across PayPal’s existing footprint.
3-5 years of experience in payments at an issuer, network, processor, or consultancy. Preference for card network experience.
Proven track record of driving results in a fast-paced and constantly changing environment
Good understanding of the applicable laws and regulations that can influence risk and fraud management policy
Knowledge and understanding of payment systems, bank credit/fraud policies, structures and operations in relation to card programs
Energetic, creative and able to deliver innovative solutions. Must handle multiple priorities with a strong attention to detail and should possess strong analytic and problem solving skills.
Excellent written, verbal, and presentation skills.
Demonstrated ability to establish strategic vision and drive change to achieve business objectives
Strong interpersonal skills and ability to build relationships and influence at all levels of management
Experience working externally with third parties who support mission critical processes and deliverables
Thorough knowledge of product segmentations, credit/fraud loss activities and key business drivers
Hands on experience with portfolio performance monitoring and diagnostics
SQL to query risk performance data

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.

Benefits

This role is also eligible for a range of benefits which may include, medical, dental, vision, life and disability insurance, parental and family leave, 401(k) savings plan, paid time off, and other benefits.
We have great benefits including a flexible work environment, employee shares options, health and life insurance and more.

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