Data Scientist

What you need to know about the role- This role offers a unique opportunity to innovate and improve PayPal’s Cobrand Credit Card Acquisition credit risk strategies. Meet our team PayPal's Cobrand team is responsible for partnering with both internal and external business units to manage a variety of credit risk strategies on acquisitions such as approve decline and initial line assignment. 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 opportunity is within the Credit Risk team.

Your way to impact- 

This role offers a unique opportunity to innovate and improve PayPal’s Cobrand Credit Card Acquisition credit risk strategy. Design, develop and maintain data-driven solutions for PayPal credit risk management. Make sound decisions that balance risk and reward, 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 datasets to build statistical or financial models for prediction of risk and revenue 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 support PayPal’s Cobrand Card business program and insights via monitoring, and reporting leveraging scalable and flexible platforms
• 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 1-4 years professional experiences in related fields. Job level may be adjusted to match the experiences of candidates.
• 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, and other big data tools
• 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.