PayPal
Join PayPal as a Senior Manager, Credit Portfolio Data Scientist
We’re looking for an experienced data scientist to drive insights from PayPal’s global loan portfolio and support capital‑market initiatives across our company.
Company Overview PayPal
has been revolutionizing commerce for more than 25 years, creating innovative experiences that simplify buying, selling, and paying for goods and services. We operate a global, two‑sided network that connects hundreds of millions of merchants and consumers. Our core values of Inclusion, Innovation, Collaboration, and Wellness guide everything we do.
Job Description Summary PayPal’s Capital Markets Data Scientist is a Senior Manager role that enables you to analyze the company’s loan data, build financial models for Asset‑Backed Securities (ABS) deals, and provide sophisticated analytics to internal teams and investors.
Essential Responsibilities
Develop clear objectives and implement strategies that deliver results and meet financial goals.
Influence decision‑making at the senior leadership level.
Perform highly complex credit and lending assessments using industry expertise.
Create innovative strategies that benefit customers and/or clients for financial success.
Lead major business projects with impact across a business unit or entire function.
Design, evaluate, and select financial objectives based on thorough understanding of business needs and industry trends.
Lead others to solve issues of diverse scope.
Expected Qualifications
Minimum of 12 years of relevant work experience and a Bachelor's degree or equivalent experience.
Additional Responsibilities & Preferred Qualifications
Analyze and aggregate PayPal’s global loan data to provide comprehensive insights for internal stakeholders and investor reporting.
Deliver analytics‑driven support for financial model building, including cash flow analysis, credit risk assessment, and pricing strategies.
Lead efforts in creating dashboards, reports, and presentation materials that communicate complex data and trends to executive leadership and investors.
Enhance data pipelines and infrastructure to ensure scalable, accurate, and secure handling of high‑volume, complex loan‑level datasets.
Develop, validate, and maintain robust financial and credit models used for ABS transaction structuring and portfolio monitoring.
Collaborate closely with ABS counterparties, investment teams, and business units to provide timely analytics for deal execution and capital‑markets activities.
Stay updated and implement industry best practices around structured finance analytics, data privacy, and regulatory compliance.
Liaise with cross‑functional teams on everything related to capital‑markets workstreams.
Minimum Qualifications
Minimum of 5 years of relevant experience in data and loan portfolio analytics.
Bachelor’s degree in Finance, Economics, Mathematics, Statistics, Data Science, or related quantitative field; advanced degree preferred.
Preferred Qualifications
Bachelor's or Master’s degree or higher in quantitative disciplines such as Mathematics, Statistics, Economics, Finance, Business Analytics, Engineering, or Data Science.
5+ years of experience in data analytics, structured finance, or credit risk management, preferably at a fintech company, investment bank, or hedge fund.
Proven track record working with large‑scale loan data across multiple asset classes, including ABS portfolios.
Strong experience building and maintaining financial and credit risk models that support investment decisions and capital‑market transactions.
Proficiency in SQL, Python, R, Tableau, Excel, and PowerPoint.
Excellent project management skills and the ability to influence cross‑functional partners.
Experience advising internal stakeholders and external investors with clear, compelling communication of analytical results.
Demonstrated leadership in team development and mentorship.
Work Permit and Relocation Requirements
Candidates must possess valid authorization to work in the country where the position is located.
Relocation assistance is not provided for this role.
Compensation and Benefits PayPal offers a competitive compensation package that includes a base salary, annual performance bonus, equity, and comprehensive benefits such as medical, dental, vision, life insurance, and employee share options. U.S. base salary range: $137,500 to $236,500. Additional benefits information can be found at
PayPal Benefits .
Equal Opportunity Employer PayPal provides equal employment opportunity to all persons regardless of age, color, national origin, citizenship status, disability, race, religion, gender, sexual orientation, gender identity, or any other characteristic protected by federal, state, or local law. Reasonable accommodations are available for qualified individuals with disabilities.
Contact If you are unable to submit an application due to assistive technology or a disability, please contact us at
paypalglobaltalentacquisition@paypal.com .
#J-18808-Ljbffr
Company Overview PayPal
has been revolutionizing commerce for more than 25 years, creating innovative experiences that simplify buying, selling, and paying for goods and services. We operate a global, two‑sided network that connects hundreds of millions of merchants and consumers. Our core values of Inclusion, Innovation, Collaboration, and Wellness guide everything we do.
Job Description Summary PayPal’s Capital Markets Data Scientist is a Senior Manager role that enables you to analyze the company’s loan data, build financial models for Asset‑Backed Securities (ABS) deals, and provide sophisticated analytics to internal teams and investors.
Essential Responsibilities
Develop clear objectives and implement strategies that deliver results and meet financial goals.
Influence decision‑making at the senior leadership level.
Perform highly complex credit and lending assessments using industry expertise.
Create innovative strategies that benefit customers and/or clients for financial success.
Lead major business projects with impact across a business unit or entire function.
Design, evaluate, and select financial objectives based on thorough understanding of business needs and industry trends.
Lead others to solve issues of diverse scope.
Expected Qualifications
Minimum of 12 years of relevant work experience and a Bachelor's degree or equivalent experience.
Additional Responsibilities & Preferred Qualifications
Analyze and aggregate PayPal’s global loan data to provide comprehensive insights for internal stakeholders and investor reporting.
Deliver analytics‑driven support for financial model building, including cash flow analysis, credit risk assessment, and pricing strategies.
Lead efforts in creating dashboards, reports, and presentation materials that communicate complex data and trends to executive leadership and investors.
Enhance data pipelines and infrastructure to ensure scalable, accurate, and secure handling of high‑volume, complex loan‑level datasets.
Develop, validate, and maintain robust financial and credit models used for ABS transaction structuring and portfolio monitoring.
Collaborate closely with ABS counterparties, investment teams, and business units to provide timely analytics for deal execution and capital‑markets activities.
Stay updated and implement industry best practices around structured finance analytics, data privacy, and regulatory compliance.
Liaise with cross‑functional teams on everything related to capital‑markets workstreams.
Minimum Qualifications
Minimum of 5 years of relevant experience in data and loan portfolio analytics.
Bachelor’s degree in Finance, Economics, Mathematics, Statistics, Data Science, or related quantitative field; advanced degree preferred.
Preferred Qualifications
Bachelor's or Master’s degree or higher in quantitative disciplines such as Mathematics, Statistics, Economics, Finance, Business Analytics, Engineering, or Data Science.
5+ years of experience in data analytics, structured finance, or credit risk management, preferably at a fintech company, investment bank, or hedge fund.
Proven track record working with large‑scale loan data across multiple asset classes, including ABS portfolios.
Strong experience building and maintaining financial and credit risk models that support investment decisions and capital‑market transactions.
Proficiency in SQL, Python, R, Tableau, Excel, and PowerPoint.
Excellent project management skills and the ability to influence cross‑functional partners.
Experience advising internal stakeholders and external investors with clear, compelling communication of analytical results.
Demonstrated leadership in team development and mentorship.
Work Permit and Relocation Requirements
Candidates must possess valid authorization to work in the country where the position is located.
Relocation assistance is not provided for this role.
Compensation and Benefits PayPal offers a competitive compensation package that includes a base salary, annual performance bonus, equity, and comprehensive benefits such as medical, dental, vision, life insurance, and employee share options. U.S. base salary range: $137,500 to $236,500. Additional benefits information can be found at
PayPal Benefits .
Equal Opportunity Employer PayPal provides equal employment opportunity to all persons regardless of age, color, national origin, citizenship status, disability, race, religion, gender, sexual orientation, gender identity, or any other characteristic protected by federal, state, or local law. Reasonable accommodations are available for qualified individuals with disabilities.
Contact If you are unable to submit an application due to assistive technology or a disability, please contact us at
paypalglobaltalentacquisition@paypal.com .
#J-18808-Ljbffr