Lead Analyst - Credit Risk Strategy

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:

PayPal's Credit Organization is responsible for managing the risk throughout the lifecycle of PayPal's credit products. This is an exciting position where your contributions can really help PayPal's bottom line and create experiences that our customers love.

This role offers a unique opportunity to work as part of the Acquisition credit risk strategies for US PayPal Credit and will be focused on designing and implementing our credit risk policies in a key market.

Meet our team:

US consumer credit risk, Global Credit Risk organization in PayPal. We are looking for a Data Scientist for our team to be responsible for Credit Risk data analysis and policy design to support the acquisition of new customers within our risk appetite.

Job Description:

Your way to impact:

In your role, you will be focusing on analyzing rich Consumer Credit Risk and PayPal wallet data to identify emerging Credit Risk trends, generate actionable insights and propose new strategies to help drive underwriting for our Revolve Consumer Credit products.

Responsibilities:

• Build Credit risk strategies for US PayPal Credit; ownership includes initial underwriting policy, line management, pricing, and strategy monitoring
• Open Banking Analytics and New to Bank risk profiling
• Analyze customer level information to determine the effectiveness of credit policies and recommend necessary changes to improve profitability
• Leverage new data / processes to improve risk management strategies and customer experience
• Analyze portfolio trends to deliver strategic business insight from internal and external data.
• Communicate concise and actionable business strategies from vast amounts of data to Sr. Management
• Partner with multiple stakeholders including but not limited to; bank partners, commercial teams, model development, governance, fraud strategy, marketing, finance, platform operations
• Present new strategy recommendations for executive approval

Your day to day:

In your day to day role you will:

• Perform deep dive analysis of Consumer Credit portfolios in US to provide actionable insights to the US credit and senior leadership team
• Develop and continuously enhance polices that support the acquisition of credit customers
• Analyze large and complex data from multiple sources both internal and external to define requirements for new capabilities and product features to support portfolios growth and profitability.
• Collaborate with cross functional teams to support business critical initiatives for Consumer Credit organization.
• Translate ambiguous, unstructured business problems into actionable data-driven analyses.
• Support multiple projects at the same time in a fast-paced, results-oriented environment. 
• Keep up to date with industry trends, best practices, and emerging risks related to consumer lending.

What do you need to bring:

• Bachelor’s/Master’s degree in a quantitative field (such as Analytics, Statistics, Mathematics, Economics or Engineering) or equivalent field experience
• 5+ years of experience working in a credit or credit supporting function and 3+ years of experience in relevant positions (e.g., Data or Decision Scientist, Data Analyst, Statistician, Risk Management, etc.)
• Expertise in SQL, Excel, Powerpoint, BigQuery, Analytical segmentation techniques
• Good with mathematics, number crunching and quick analysis with different datasets
• Prior experience in Open Banking Analytics and New to Bank risk profiling will be an added advantage
• Experience analyzing very large, complex, and multi-dimensional datasets to identify trends and draw meaningful and accurate conclusions.
• Analytical skills and ability to approach problems in a quantitative and qualitative manner, and partner with the business to understand their needs, and drive solutions.
• Effective communication skills, in both written and verbal formats, with senior executive-level leaders.

Additional Job Description:

Subsidiary:

PayPal

Travel Percent:

0

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

Who We Are:

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  ,   and  .

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 .

Any general requests for consideration of your skills, please

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