Decision Scientist 1

The Company

PayPal 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 Description Summary:

What you need to know about the role
We are looking for a Senior Decision Scientist to develop PayPal’s Risk strategy within the Next-Generation Payments & Strategic Partners portfolio. This portfolio is comprised of PayPal’s newest leading-edge payments solutions, as well as customized experiences developed for the company’s highest-priority strategic partnerships.
If you’re interested in working with PayPal’s most interesting payments experiences, then this is the right team for to join!
Meet our team
PayPal’s Next-Generation Risk team is responsible for assessing and managing buyer & seller side financial risk exposures for > $100 billion portfolio (including identity theft, stolen financials, account takeover, collusion, spam and credit risk), as well as developing and implementing the policies, treatments, and experiences related to the management of these exposures. The team is also responsible for partnering with the corresponding Business Units to align with and influence their strategic priorities, educate business partners about Risk management principles, and collaboratively optimize the Risk treatments and experiences for these unique products and partners.

Job Description:

Your way to impact

Each Decision Scientist on this team has full ownership of a payments portfolio and is responsible for end-to-end management of loss and decline rates. Day-to-day responsibilities include data analysis, monitoring and forecasting, creating the logic for and implementing risk rules and strategies, providing requirements to data scientists and technology teams on attribute, model and platform requirements, and communicating with global stakeholders to ensure we deliver the best possible customer experience while meeting loss rate targets.

Your day-to-day

• Work is generally self-directed with minimum supervision. Review is normally after the fact and may be developmental in nature.
• Works on assignments that are of intermediate complexity with multiple steps in execution, and guided by generally defined processes and project requirements
• Focuses primarily on completing short-term goals of a project efficiently and effectively

What do you need to bring

• Strong analytical skills -- ability to build quick estimates using back-of-the-envelope analysis, structure (and, if needed, execute) more complex analyses, pull together business cases and forecasts to navigate through multi-dimensional sets of tradeoffs.
• Enthusiasm for data-driven problem solving within a fast-paced environment is a must. In addition, experience with Microsoft Excel or statistical software, working knowledge of SQL or other relational database languages, and hands-on experience in data analysis involving large data sets are strongly desired.
• Polished communication and influence skills – risk decision scientists need to collaborate cross-functionally with product managers, data scientists, business owners, and customers to learn from subject-matter experts, present findings in a clear and concise manner, and reach alignment on how to execute risk strategies. Demonstrated ability to influence groups and effectively resolve conflicts is required.
• An innate intellectual curiosity, and a willingness to build awareness of current payments industry and risk management best practices. PayPal is constantly innovating by introducing new products and entering new markets, so successful risk analysts on this team must quickly get up speed on new content areas. You will be expected to become an expert in your specific domain
• “Can-do” attitude, team player, energetic personality, ability to work well under pressure in a fast-paced and constantly changing environment to meet deadlines. The successful risk analyst is a self-starter who has the resilience to learn from their mistakes and reach their true potential.
• Identify glitches in processes and tools and develop and execute solutions to overcome general issues and obstacles with little supervision.
• Learning in-depth analysis of alternatives and applying specialized knowledge
• Seeks improvement within defined tasks. Understands, evaluates, and executes improvement ideas from supervisors
• BS/BA degree with 5+ years of experience or master’s degree with 3+ years of experience.

Additional Job Description:

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 https://www.paypalbenefits.com.

Who We Are:

Click Here 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 [email protected].

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 Join our Talent Community.

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