Manager, Data Science

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

The CompanyPayPal 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, which may include 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 Summary

This job will design and implement credit risk strategies for the BNPL product. You will work with stakeholders across the business, including product, sales, marketing, finance, and collections to achieve business goals. You will work with legal, compliance, and engineering teams to implement, test, and monitor credit risk strategies and their performance.

Job Description

Essential 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.

Minimum Qualifications

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

Additional Responsibilities

• Implement credit risk strategies that continue to grow our BNPL products, in a responsible manner.
• Design tests to continuously learn about our customers.
• Align priorities with relevant stakeholders across the business.

Preferred Qualifications

• Experience managing credit risk for a BNPL or install loan product.
• Proficiency in SQL and Python, or a similar language.

Subsidiary:PayPalTravel Percent:0-The base pay for this role will depend on where you work and the relevant experience and expertise you bring.

The expected range of pay for this role by location is:

• Primary Location | Pay Range: Chicago, Illinois: ($160,500.00 - $238,700.00 Annually)
• Additional Location(s) | Pay Range: No other locations are assigned to this requisition currently.

Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding.

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits

At PayPal, we're committed to building an equitable and inclusive global economy. And we can't do this without our most important asset-you. That's why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing-physical, emotional, and financial-delivering meaningful value where it matters most.

• generous paid time off
• healthcare coverage for you and your family
• resources to create financial security and support your mental health

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 [e-mail].

Belonging at PayPal

Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates.