Senior Data Scientist • Credit Risk

Description

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Your Way to Impact

As a Senior Data Scientist for the France BNPL products, you will be an integral part of the European and Australian Buy Now Pay Later Risk Team. You will analyze consumer risk trends, recommend optimal credit risk strategies, and help optimize the BNPL funnel. This is a highly data-driven role in a high-impact credit risk organization, where your insights will drive business outcomes and improve the customer experience.

Your Day-to-Day

Collaborate with P&L owners and stakeholders to analyze, propose, and implement effective strategies across the entire BNPL lifecycle.

Assess the P&L impact of credit strategies, ensuring the optimal balance between risk and revenue.

Provide leadership with insights on book quality, offering recommendations on risks and opportunities.

Explore internal and external data sources to evaluate their potential contributions to the credit underwriting process.

Partner with compliance and legal teams to ensure all credit strategies comply with applicable regulatory guidelines.

Work closely with operations teams to assess the impact of credit strategies on customer communications and collections efforts.

What you'll need to succeed:

Expertise in Credit Risk Management: In-depth knowledge of credit performance, data providers, scoring models, and industry best practices.

Experience in Credit & Fraud Risk: Strong background in risk management and underwriting for consumer credit products (e.g., credit cards, installment loans, revolving credit), with a preference for fintech experience.

Advanced Analytics Expertise: Proficiency in SQL, Python, Advanced Excel, Tableau, and other analytics tools, with a proven track record of using them to solve real-world problems.

Data-Driven Decision-Making: Hands-on experience working with credit bureaus and other consumer data sources to drive strategic decision-making.

Exceptional Communication Skills: Outstanding written, verbal, and interpersonal communication abilities, capable of translating complex technical concepts into clear, actionable insights for diverse audiences.

Strategic & Creative Problem-Solving: Strong judgment and the ability to think strategically, creatively, and practically to address complex challenges.

Collaboration and Influence: Strong ability to collaborate across teams, build relationships, and drive results through influence and teamwork.

We Believe in You

Ready to join our ride? Click "apply" or/and – We can’t wait to hear from you!

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Preferred Qualification:

Subsidiary:

PayPal

Travel Percent:

0

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 benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

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:

to learn more about our culture and community.

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.

Any general requests for consideration of your skills, please .

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.