Lead Product Manager, Real-Time Risk & ML Platform

PayPal Inc.; San Jose (CA); Hybrid; USD 197,000 - 292,000; Full time

Job summary

PayPal is seeking a Lead Product Manager for the Risk Decisioning Platform in San Jose, CA. You will own strategy, roadmap, and execution for a core platform pillar, delivering loss reduction, CX improvements, efficiency and revenue growth through scalable, real-time solutions.

You will collaborate with engineering, data science, risk strategy, and UX to migrate legacy systems, monitor health metrics, and enable real-time experimentation and rule governance.

Qualifications

• 8+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience.
• Experience building or managing products in the decisioning, recommendation engine, or real-time scoring space (e.g., fraud scoring, credit underwriting, personalization platforms).
• Familiarity with feature stores, real-time inference pipelines, rule engines, or A/B experimentation frameworks.
• Track record of driving platform adoption across multiple internal customer teams.
• Strong data intuition: ability to define and interpret platform metrics, run analyses, and translate findings into product decisions.
• Experience with agile delivery at scale, including cross-team dependency management and milestone-driven roadmap execution.

Responsibilities

• Drives product strategy with cross-functional stakeholders consistent with the shared vision for the product or enabling platform.
• Plans and implements the architectural roadmap that balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability.
• Assesses the customer experience and customer needs in product requirements and decision making.
• Sets up data gathering mechanisms relative to the metrics that inform the success of products including usability studies, research and market analysis.
• Leads workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making.
• Oversees product profitability measures, including budget.
• Plans operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews.
• Interfaces with product and technology leadership as needed.
• Partners with content strategists, data scientists, product designers and user experience researchers.
• Maximizes efficiency in a constantly evolving environment where the process is fluid and creative solutions are the standard.

Job description

PayPal is seeking a Lead Product Manager for the Risk Decisioning Platform in San Jose, CA. You will own strategy, roadmap, and execution for a core platform pillar, delivering loss reduction, CX improvements, efficiency and revenue growth through scalable, real-time solutions.

You will collaborate with engineering, data science, risk strategy, and UX to migrate legacy systems, monitor health metrics, and enable real-time experimentation and rule governance.