Director Credit&collections AI/ML

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:

What you need to know about the role-
As the head of Credit & collections AI/ML (credit research & attribute design) within our Global Analytics & Data Sciences team, you will be instrumental in researching and coming up with optimal approaches to integrate orthogonal 3rd party data sources & design powerful features to push the envelope on credit & collections modeling. The incumbent will also be responsible for driving improvements around credit model monitoring practices

Meet our team-
PayPal is in search of a senior leader with a blend of business acumen, a solid understanding of AI/ML technologies to enhance our advanced Credit offerings. As PayPal continues to lead in the digital payments space, we recognize the transformative power of combining deep business acumen with the latest advancements in AI and ML especially in the critical area of credit services.

Job Description:

Your way to impact -

• Manage multiple priorities through solid project management practices.
• Maintain strong presence in our India sites and help keep PayPal a great place to work.

Your day to day -

• Work closely with business partners to develop and execute a comprehensive approach to researching and integrating new data sets & 3rd party attributes to support PayPal’s credit services, ensuring alignment with the business and the company's objectives.
• Lead, mentor, and expand a high-performing team of AI/ML professionals and lead to business success, fostering an environment of innovation and excellence.
• Collaborate effectively with cross-functional teams, including product, engineering, and other data science teams, to integrate new variables & sources into AI/ML credit solutions into merchant and consumer credit products.
• Contribute to advancing AI/ML models for credit scoring, credit risk assessment, & collections segmentation by enhancing attribute designs as well as suggesting new datasets to augment already rich sources of data.
• Balance between using the latest AI/ML trends and technologies, harnessing intelligence from external data and developing proprietary techniques.

What do you need to bring-

• 15+   years of experience in AI/ML model development, with a proven track record in credit financial services.
• Proven track record in development and deployment of models leveraging machine learning, deep learning & NLP approaches.
• Advanced degree in Computer Science, Engineering, Statistics, or a related field.
• Exceptional communication skills, with the ability to articulate complex technical concepts to non-technical stakeholders and executives.
• Strong connections with the AI/ML ecosystem in India is a plus.
• Highly proficient in technical understanding of AI/ML languages such as Python and libraries; frameworks such as TensorFlow, Py Torch, Scikit-learn etc.
• Strong experience in leading model deployment on cloud environments – big plus.
• Desire and ability to work in a dynamic, innovative, fast-paced environment.

Additional Job Description:

Subsidiary:

PayPal

Travel Percent:

0

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.