Data Scientist

The Company
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.

Job Description Summary:
Meet your team: This role sits within Credit card fraud risk strategy team of Global Fraud Prevention Org., focused on safeguarding our customers and business from evolving fraud threats. The team is responsible for developing and executing data-driven strategies to mitigate fraud in UK PPC portfolio. What do you need to know about the role: Global Fraud Prevention resides in the Global Risk Management (GRM) organization that supports various business lines in optimizing risk and rewards to enable profitable business growth. You will be working closely with global fraud risk professionals focusing on managing and mitigating fraud risk in the UK PayPal Credit Portfolio, Be a part of this fraud revolution and enjoy the journey being with PayPal’s growing team. Why You’ll Love It here:

• Impact: Your work directly influences the success and growth of PayPal’s credit offerings.
• Learning: Expect to level up your analytical and problem-solving skills every day with more challenges to solve
• Growth: The credit card industry is constantly evolving, and you’ll be right there on the cutting edge, sharpening your skills and new learnings along the way.
• Culture: We’re a team of passionate professionals who love challenges and are always ready to celebrate a job well done.
  
  
  

Job Description:
Your way to impact:

• Own the areas of Transaction Fraud risk policy: Work on Broad area of projects from Card risk strategies, acquisition and payment risk strategies, all depending on the business need.
• Work closely with Stakeholders: this includes Credit Risk, Product, finance teams to optimize fraud strategies and portfolio performance.
• Proactively identify emerging fraud trends and propose mitigation strategies.
• Maintain and develop Monitoring and Alerting capabilities: to clearly monitor the PPC Card program health and simplify insights for key stakeholders.
• Present regular updates to senior leaders: on Portfolio Health, highlights, lowlights, and actionable insights.
  
  
  

Your day to day:

• In this role you will have full ownership of portfolio and is responsible for end-to-end management of Fraud loss and decline rates.
• Works independently and proficiently. Accountable for own results.
• Collaborate with different teams to develop strategies for fraud prevention, loss savings, and optimize transaction declines.
• Analyze and assess risks to provide informed recommendations for mitigation strategies
• Prepare periodic KPI reports summarizing the business units’ risk and control environment for senior management
  
  
  

What do you need to bring:

• 2-5 years of domain expertise
• Excellent Problem-Solving Skills: Strong judgment and the ability to think strategically, creatively, and practically to address complex challenges.
• Advanced Analytics expertise: Proficiency in SQL, Python, Advanced Excel, Tableau, and other analytics tools, with a proven track record of using them to solve real-world problems.
• Exceptional communication skills: Outstanding written, verbal communication abilities, capable of translating complex technical concepts into clear, actionable insights for diverse audiences
• Collaboration & Influence: Strong ability to collaborate across teams, build relationships, and drive results through influence and teamwork
• Experience in Payments / Transaction risk management / Credit / Fraud Risk is a strong plus.
• We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply.
  
  
  

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 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:

To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx

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.

Any general requests for consideration of your skills, please Join our Talent Community.

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

REQ ID R0127387