Lead Data Scientist

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-

• The Data Scientist in Global Commercial Lending Credit Risk will play a crucial role in leveraging advanced analytics and machine learning techniques to drive strategic decision making and risk mitigation efforts.
• This position will play a pivotal role in identifying opportunities and developing innovative strategies to optimize our credit decisions while mitigating risks associated with New Accounts and Applications.
Meet our team

• This position will directly impact the Global Merchant Lending business by delivering data-driven strategies that foster overall growth of the commercial lending portfolios, while effectively managing credit risk
• The GML Credit Risk team directly supports the GML Business Unit and other relevant key stakeholders across PayPal's Consumer, Merchant, Credit, and Payments Business Units.

Job Description:

• Your way to impact

• You believe in data-driven decisions and use data to create risk management strategies and answer business questions 
• You are hyper-analytical, intellectually honest, and extremely passionate about data and testing (e.g., A/B experimentation) 
• You are a highly motivated, result-oriented, enjoy working in a fast-paced environment, and can deliver successful results with required guidance.

• Your day to day

• Utilize advanced analytics tools to perform in-depth analysis of lending data to develop, refine, and implement credit risk strategies.
• Take ownership of key performance indicators (KPIs) and metrics related to credit risk for new accounts and applications.

• What do you need to bring-

• A bachelor's or master's degree in business, finance, economics, or a related field.
• Prior experience in commercial lending, credit risk management, or a related field.
• Bachelor’s degree or higher in a quantitative field such as Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline.
• 6+ years post-college working experience within the data-mining, quantitative research or analytics organization. Credit Risk experience is a must.
• Knowledge of credit risk concepts, lending processes, and regulatory requirements.
• Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis.
• Strong written, oral, and interpersonal skills a must including the ability to explain and/or present analysis.
• Must have good business judgment with demonstrated ability to think creatively and strategically.
• Aptitude and willingness to roll-up the sleeves and get involved in the details.
• Proficiency in Python, R and SQL.
• Excel, Word, and PowerPoint proficiency

• **We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply.

• Lead end-to-end project execution with minimal assistance as a credit risk expert.
• Monitor credit quality of commercial loan portfolio and optimize profit-based risk management decisions at all stages of the customer credit lifecycle.
• Monitor model performance and conduct regular reviews to ensure accuracy, effectiveness, and compliance with regulatory requirements.
• Evaluate, and integrate new data sources and capabilities to identify emerging credit risk trends and create robust credit risk management strategies.
• Engage with Product, Marketing, Platform, and various other teams to determine performance trends and root causes.
• Effectively communicate complex findings and strategy recommendations to both technical and non-technical audiences
• 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 commercial lending.

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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