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Job Summary
This job will design and implement credit risk strategies for the BNPL product. You will work with stakeholders across the business, including product, sales, marketing, finance, and collections to achieve business goals. You will work with legal, compliance, and engineering teams to implement, test, and monitor credit risk strategies and their performance.
Job Description
Essential Responsibilities
Lead and manage data science projects, ensuring timely delivery and alignment with business goals.
Develop and maintain data models, algorithms, and reporting systems to support data analysis and decision-making.
Analyze complex datasets to identify trends, patterns, and insights that drive strategic initiatives.
Collaborate with cross-functional teams to understand data needs and provide actionable insights.
Ensure data quality and integrity through regular audits and validation processes.
Mentor and guide junior data scientists, fostering a culture of continuous learning and improvement.
Minimum Qualifications
5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
Additional Responsibilities & Preferred Qualifications
Additional Responsibilities
Implement credit risk strategies that continue to grow our BNPL products, in a responsible manner
Design tests to continuously learn about our customers
Align priorities with relevant stakeholders across the business
Collaborate with legal, compliance, product, and engineering teams to ensure policies are implemented on time and with appropriate monitoring and controls
Take a proactive approach to influence decisions that impact all aspects of the application funnel
Preferred Qualifications
Experience managing credit risk for a BNPL or install loan product
Proficiency in SQL and Python, or a similar language
Subsidiary
PayPal
Travel Percent
0
The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is:

Primary Location | Pay Range
Chicago, Illinois: ($160,500.00 - $238,700.00 Annually)

Additional Location(s) | Pay Range
No other locations are assigned to this requisition currently.

Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.
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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.
Our 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.
Who We Are
Click Here to learn more about our culture and community.
Commitment to Diversity and Inclusion
PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at paypalglobaltalentacquisition@paypal.com.
Belonging at PayPal
Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.
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