Senior Data Scientist • Credit Risk

PayPal; London; Hybrid; GBP 60,000 - 90,000; Full time

Job summary

Join PayPal as a Senior Data Scientist focused on Credit Risk in London. In this data-driven role, you will analyze consumer risk trends, recommend strategies, and collaborate with teams to optimize the Buy Now Pay Later process. Bring your expertise in credit risk management and analytics to impact business outcomes and improve customer experiences.

Benefits

Flexible work options

Shares options

Insurance benefits

Qualifications

• Expertise in Credit Risk Management with knowledge of scoring models.
• Proficiency in SQL, Python, Excel, Tableau.
• Experience in consumer credit risk management preferred.

Responsibilities

• Analyze consumer risk trends and recommend credit strategies.
• Collaborate with stakeholders to optimize strategies.
• Ensure compliance with regulatory requirements.

Skills

Credit Risk Management

Analytical Skills

Communication Skills

Problem-solving

Collaboration

Tools

SQL

Python

Excel

Tableau

Job description

Job Title: Senior Data Scientist • Credit Risk, London

Client:

PayPal

Location:

London, United Kingdom

Job Category:

Other

EU work permit required:

Yes

Job Reference:

f377c8c8878e

Job Views:

33

Posted:

22.06.2025

Expiry Date:

06.08.2025

Job Description:

Description: As a Senior Data Scientist for the France BNPL products, you will be part of the European and Australian Buy Now Pay Later Risk Team. Your role involves analyzing consumer risk trends, recommending credit risk strategies, and optimizing the BNPL funnel. This data-driven role impacts business outcomes and customer experience.

Your Day-to-Day:

1. Collaborate with P&L owners and stakeholders: Analyze, propose, and implement strategies across the BNPL lifecycle.

2. Assess the P&L impact of credit strategies: Ensure a balance between risk and revenue.

3. Provide insights on book quality: Offer recommendations on risks and opportunities.

4. Explore data sources: Evaluate their contributions to credit underwriting.

5. Partner with compliance and legal teams: Ensure regulatory compliance of credit strategies.

6. Work with operations: Assess impacts on customer communications and collections.

Requirements to succeed:

1. Expertise in Credit Risk Management: Knowledge of credit performance, scoring models, and industry practices.

2. Experience in Credit & Fraud Risk: Background in consumer credit risk management, fintech experience preferred.

3. Analytics Skills: Proficiency in SQL, Python, Excel, Tableau, with problem-solving experience.

4. Data-driven decision-making: Experience working with credit bureaus and consumer data.

5. Communication Skills: Ability to convey complex insights clearly.

6. Problem-solving: Strategic, creative, and practical thinking skills.

7. Collaboration and influence: Ability to work across teams and build relationships.

We believe in you! Click "apply" to join us.

Preferred Qualification:

Subsidiary: PayPal

Travel Percent: 0%

Our hybrid work model offers 3 days in the office and 2 days flexible between home and office.

Benefits:

We support your financial, physical, and mental health with benefits like flexible work, shares options, insurance, and more. Learn more on our website.

Who We Are:

Learn about our culture and community.

Commitment to Diversity and Inclusion:

We provide equal opportunity and reasonable accommodations for disabilities. Contact us if needed.

Belonging at PayPal:

We foster an inclusive environment where everyone can do their best work. Apply regardless of your background or experience.