PayPal
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Sr Manager, Data Science
role at
PayPal
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, including 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 The Global Merchant Lending team enables businesses to access responsible and scalable credit solutions. As a Senior Manager, this role will lead the development and execution of data‑driven credit strategies, frameworks and policies that shape how PayPal manages risk across its merchant lending portfolio.
Essential Responsibilities
Lead complex data science projects, ensuring they meet business objectives and deliver actionable insights.
Develop advanced data models and algorithms to analyze large datasets and solve complex business problems.
Collaborate with senior leadership to identify data‑driven opportunities for business growth and efficiency.
Implement best practices for data management, analysis, and visualization.
Ensure data governance and compliance with relevant regulations and standards.
Provide mentorship and technical guidance to the data science team.
Expected Qualifications
8+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.
Experience leading others.
Additional Responsibilities and Preferred Qualifications
Design and enhance credit strategy frameworks governing originations, renewals, and portfolio management to support healthy and scalable growth.
Develop and maintain credit policies and guardrails that balance business expansion with sound risk management principles.
Build analytical frameworks and monitoring tools to assess portfolio health, track early warning indicators and identify emerging risks.
Partner with data science on deployment, monitoring and calibration of credit risk models and segmentation strategies.
Collaborate with Commercial, Product, Platform, Governance, Engineering, and Finance teams to integrate credit strategies and decisioning into product design and system architecture.
Required Skills
Proven experience in credit risk strategy, policy development, and portfolio analytics.
Strong understanding of the commercial credit ecosystem including credit products, bureau information, bank and cash flow data, and alternative data sources used for credit risk underwriting and monitoring.
Demonstrated analytical and quantitative skills with the ability to translate insights into actionable strategy.
Excellent communication and influencing skills with experience presenting to senior management.
Compensation PayPal is committed to fair and equitable compensation practices. The U.S. national annual pay range for this role is $169,500 to $291,500. Actual compensation is based on various factors including but not limited to work location, and relevant skills and experience. The total compensation may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.
Benefits At PayPal, we’re committed to building an equitable and inclusive global economy. We offer benefits to help you thrive in every stage of life, including a flexible work environment, employee share options, health and life insurance, and more. To learn more about our benefits please visit https://www.paypalbenefits.com.
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.
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Sr Manager, Data Science
role at
PayPal
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, including 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 The Global Merchant Lending team enables businesses to access responsible and scalable credit solutions. As a Senior Manager, this role will lead the development and execution of data‑driven credit strategies, frameworks and policies that shape how PayPal manages risk across its merchant lending portfolio.
Essential Responsibilities
Lead complex data science projects, ensuring they meet business objectives and deliver actionable insights.
Develop advanced data models and algorithms to analyze large datasets and solve complex business problems.
Collaborate with senior leadership to identify data‑driven opportunities for business growth and efficiency.
Implement best practices for data management, analysis, and visualization.
Ensure data governance and compliance with relevant regulations and standards.
Provide mentorship and technical guidance to the data science team.
Expected Qualifications
8+ years relevant experience and a Bachelor’s degree OR any equivalent combination of education and experience.
Experience leading others.
Additional Responsibilities and Preferred Qualifications
Design and enhance credit strategy frameworks governing originations, renewals, and portfolio management to support healthy and scalable growth.
Develop and maintain credit policies and guardrails that balance business expansion with sound risk management principles.
Build analytical frameworks and monitoring tools to assess portfolio health, track early warning indicators and identify emerging risks.
Partner with data science on deployment, monitoring and calibration of credit risk models and segmentation strategies.
Collaborate with Commercial, Product, Platform, Governance, Engineering, and Finance teams to integrate credit strategies and decisioning into product design and system architecture.
Required Skills
Proven experience in credit risk strategy, policy development, and portfolio analytics.
Strong understanding of the commercial credit ecosystem including credit products, bureau information, bank and cash flow data, and alternative data sources used for credit risk underwriting and monitoring.
Demonstrated analytical and quantitative skills with the ability to translate insights into actionable strategy.
Excellent communication and influencing skills with experience presenting to senior management.
Compensation PayPal is committed to fair and equitable compensation practices. The U.S. national annual pay range for this role is $169,500 to $291,500. Actual compensation is based on various factors including but not limited to work location, and relevant skills and experience. The total compensation may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits. For more information, visit https://www.paypalbenefits.com.
Benefits At PayPal, we’re committed to building an equitable and inclusive global economy. We offer benefits to help you thrive in every stage of life, including a flexible work environment, employee share options, health and life insurance, and more. To learn more about our benefits please visit https://www.paypalbenefits.com.
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.
#J-18808-Ljbffr