Credit Risk Data Science Manager

Description

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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.

Expected Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

Responsibilities

Influence the strategic direction of the BNPL portfolios, utilizing UK market expertise and analytically driven ideas. Work with P&L owners and other stakeholders to analyze, propose and implement robust strategies across the lifecycle of Buy Now Pay Later. Measure the P&L impact of credit strategies to optimize mix of risk and revenue. Share insights with leadership on book quality and provide recommendation on risks and opportunities. Explore data sources internal and external to PayPal and evaluate their potential contribution to the credit underwriting process. Interact with operations teams to provide input in impact of credit strategies on customer communication and collections efforts. Interact with compliance and legal teams to confirm the credit strategies are compliant with applicable regulatory guidelines.

Requirements

Proven experience in credit risk management is a must, along with in-depth market knowledge of credit performance, data providers, credit and behavioral scoring and industry best practices. 5+ years’ experience in credit and/or Fraud risk management and underwriting in consumer credit products (e.g. Credit cards, instalment loans or other revolving credit products), preferably with a fintech background. Strong written, oral, and interpersonal skills a must including the ability to explain / present technical business flows. Experience with credit bureaus and other sources of consumer data.

Qualifications

Typically requires a minimum of 5 years of related experience with a Bachelor’s degree; or 3 years and a Master’s degree; or a PhD without experience; or equivalent work experience. Experience with analytics and data mining tools, such as SQL, Python, Advanced Excel, Tableau. Proven ability to influence, work collaboratively, build and maintain relationships throughout the organization. Must have good judgment with the demonstrated ability to think creatively and strategically

Subsidiary:

PayPal

Travel Percent:

0

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Our Benefits:

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We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit .

Who We Are:

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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 .

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.

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