At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to revolutionize commerce globally to make moving money, selling and shopping, personalized and secure. Job Description Summary: What you need to know about the role- This role offers a unique opportunity to innovate and improve PayPal’s Pay Later credit risk strategy. Meet our team PayPal's US Pay Later team is responsible for partnering with global business units to manage a variety of credit risk strategies. 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 Credit Risk team. Job Description: Your way to impact- This role offers a unique opportunity to innovate and improve PayPal’s Pay Later's credit risk strategy. Design, develop and maintain data-driven solutions for PayPal credit risk management. Make sound decisions that balance risk, user experience and financial performance. Exercise judgment in selecting methods, techniques and evaluation criteria for obtaining results on matters of significance to the business. Develop and automate tracking functionality that monitors volume and solution efficacy. Provide the appropriate framing of business problems, define project plans and work breakdowns, setting timelines and quality metrics for the project, and coordinating activities of cross-functional teams to deliver effective solutions. Your day to day – Apply advanced statistical techniques and algorithms on complex dataset to build statistical or financial models for prediction and driving actionable business insights for PayPal product or customer level credit risk management Mine data covering a wide range of information from user profile to transaction details to solve risk problems that involve classification, clustering, pattern analysis, sampling, simulations. Leverage data to conduct Pay Later business program and initiative analytics, monitoring, and reporting with scalable and flexible platform Conduct a 360 credit risk framework that covers risk lifecycle metrics and customer experience/engagement metrics for decisioning and drive cross team collaboration. Conduct on-going performance overview to senior leadership team Carry out independent research and innovation in new content, ML and technological domains. Trouble shooting any data, system and flow challenges while maintaining flawless strategy execution What do you need to bring- Master’s degree with 2 year professional experience. Data driven mindset with degree in a quantitative discipline such as Computer Science, Statistics, Mathematics. Proven experience in employing mathematical, statistical and data mining methods on real world problems Proficient in data mining and familiar with SQL, BigQuery, SAS, Python, etc. Must be an intuitive, organized analytical thinker, with the ability to drive analysis end to end Industry experience in payments, e-commerce, or financial services is a plus. Exceptional written and verbal communication skills to influence cross-functional teams. Additional Job Description: Subsidiary: PayPal Travel Percent: 0 - PayPal is committed to fair and equitable compensation practices. Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience. The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com. The U.S. national annual pay range for this role is $72700 to $176000 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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you. We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com Who We Are: Click Here to learn more about our culture and community. 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. For more information, visit https://www.paypal.com , https://about.pypl.com and https://investor.pypl.com. 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. Any general requests for consideration of your skills, please Join Our Talent Community. At PayPal we are reimagining money, democratizing financial services, and giving people more ways to safely connect to their money and to each other. We are purpose-driven and looking for people who want to join us at the forefront of the digital payments revolution. Learn more at PayPal.com/Jobs Learn more about privacy-related questions or data retention. If you would like your profile to be deleted from our system, please let us know Please note that this site has updated features that can’t run on older versions of Internet Explorer. Please use IE11 or MS Edge for an optimal experience. When applying for a job you are required to create an account, if you have already created an account - click Sign In. 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