BNPL Credit Risk Data Science Lead

PayPal Inc.; Chicago (IL); Hybrid; USD 161,000 - 239,000; Full time

Benefits offered by this job

Generous PTO

Healthcare coverage

Financial well-being resources

Job summary

PayPal Inc. in the United States seeks an experienced data scientist to design and implement credit risk strategies for the BNPL product. You will partner with product, sales, finance, and engineering to drive risk-aware growth.

Collaborate with legal and compliance teams to test, monitor, and refine strategies, while mentoring junior data scientists and maintaining data integrity across initiatives. The role emphasizes cross-functional impact and measurable business outcomes.

Qualifications

• 5+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience.

Responsibilities

• Lead and manage data science projects, ensuring timely delivery and alignment with business goals.
• Develop and maintain data models, algorithms, and reporting systems to support data analysis and decision-making.
• Analyze complex datasets to identify trends, patterns, and insights that drive strategic initiatives.
• Collaborate with cross-functional teams to understand data needs and provide actionable insights.
• Ensure data quality and integrity through regular audits and validation processes.
• Mentor and guide junior data scientists, fostering a culture of continuous learning and improvement.

Skills

SQL

Python

Credit risk

BNPL experience

Education

Bachelor's degree

Tools

Pandas

scikit-learn

Job description

PayPal Inc. in the United States seeks an experienced data scientist to design and implement credit risk strategies for the BNPL product. You will partner with product, sales, finance, and engineering to drive risk-aware growth.

Collaborate with legal and compliance teams to test, monitor, and refine strategies, while mentoring junior data scientists and maintaining data integrity across initiatives. The role emphasizes cross-functional impact and measurable business outcomes.