PayPal

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 Summary:

This job will design and implement advanced data science models to support business needs. You will work with stakeholders to understand requirements and deliver solutions. Your role involves driving best practices in data science, ensuring data quality, and mentoring junior scientists.

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:

• Minimum of 8 years of relevant work experience and a Bachelor's degree or equivalent experience.

Preferred Qualification:

Job Description Summary:

Summary:

What 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 lead a team of global risk professionals focusing on supporting the growth of Small Medium Business (SMB) line of business through key strategic initiatives.

Meet our team:

• This role reports to the Director of Global SMB Onboarding Risk Management. In addition, you will work closely with SMB business leaders, Risk Products, Decision Science, Fraud Operations, and Engineering to execute on the Fraud Control initiatives that you and your team will develop to mitigate 3rd party fraud and 1st party abuse as well as money movement risks.

Job Description:

Your way to Impact

• You will build a strong fraud prevention framework to ensure the fraud losses stays within budget across all regions for the SMB portfolio.
• You will work to bring more data sources to strengthen the fraud detection capabilities for the SMB portfolio and collaborate with other business teams to address capability gaps.
• You will provide thought leadership to cross-functional leaders in multiple Product teams, P&L owner, Finance, and Operations to ensure adequate fraud controls are implemented for all business initiatives.
• You will develop strategic projects and work with regional policy owners to leverage the recommendations to optimize their respective strategies.

Your day-to-day

In your day-to-day role you will:

• Lead a team of 2 to become the center of excellence in SMB acquisition. Develop a framework for managing risk across the SMB New onboarding lifecycle.
• Set up a robust fraud prevention framework with multi-layered controls and monitoring to prevent any fraud spikes.
• Work collaboratively with multiple cross functional teams to execute on a multi-year roadmap and get buy in agreements from key stakeholders
• Develop risk professionals and team to become a top performer in both thought leadership and execution
• Strong communicator and educator to demystify risk management and bring transparency across business
• Be the voice of risk management and help solve complex problems within defined risk appetite framework.

What do you need to bring

• 8+ years of experience in financial technology, banking, or payments with deep subject matter expertise and execution in developing end to end risk framework.
• Strong knowledge in data analytics to extract, analyze and transform data into risk strategy recommendations for profitable business growth.
• Have experience managing consumer or Small Medium Business (SMB) acquisition fraud and credit risk in the European markets. Experience in multiple countries is a plus.
• Knowledge of existing/emerging regulatory frameworks related to consumer and SMB acquisition.
• Having experience in a Fintech working with Product and Engineering organization is a plus
• Proven track record in driving positive outcomes between risk management and business leaders
• Excellent project management skills, well organized, with the ability to thrive in a fast-paced work environment and manage numerous projects simultaneously under deadline pressure
• A high level of intellectual, professional, and interpersonal agility/flexibility, combined with strong analytical/problem-solving skills
• Strong ability to inspire/foster an inclusive/diverse culture
• Demonstrated ability to build/maintain relationships with key stakeholders, including strengths in influencing, conflict management, and negotiation
• Strong communication skills in explaining complex matters in a simple and clear manner
• Experience in partnering with senior business stakeholders, particularly in the context of a rapidly evolving environment

Subsidiary:

PayPal

Travel Percent:

10

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:

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 talentaccommodations@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.

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