Data Scientist 1

2 months ago

Bengaluru, India PayPal Full time

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives.

Job Description Summary: Data Scientist of Global Commercial Lending Credit Risk team is responsible for developing the credit risk strategy for commercial lending portfolio by analyzing the credit bureaus, bank & financial statements data using advanced analytical techniques.

**Job Description**:

- Help to develop and continuously enhance risk management policies, processes and controls for mitigating credit risk exposure in the commercial lending portfolio
- Identify new risk management opportunities and assess creditworthiness of businesses through deep dive analysis leveraging credit bureau, bank statement and financial statement data
- Monitor credit quality of commercial loan portfolio and optimize profit-based risk management decisions at all stages of the customer credit lifecycle
- Conduct quantitative analysis to decide the thresholds within which businesses can access commercial loan (for example: who is approved for commercial loan, how much loan amount do they receive, and how to improve spin-down & recovery rate in collections)
- Identify, evaluate, and integrate new data sources and capabilities to identify emerging credit risk trends and create robust credit risk management strategies
- Collaborate with other departments to ensure that credit risk management practices are integrated into business processes
- Translate ambiguous, unstructured business problems into actionable data-driven analyses
- Support multiple projects at the same time in a fast-paced, results-oriented environment
- Keep up-to-date with industry trends, best practices, and emerging risks related to commercial lending.

**Qualification**
- A bachelor's or master's degree in business, finance, economics, or a related field.
- Prior experience in using bank statement data in credit risk assessment & line calculation, commercial lending, credit risk management, or a related field is preferred
- Bachelor’s degree or higher in a quantitative field such as Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline.
- 4+ years post-college working experience within the data-mining, quantitative research or analytics organization. Online Merchant Credit Lending Risk experience is a must.
- Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis.
- Strong written, oral, and interpersonal skills a must including the ability to explain and/or present analysis.
- Must have good business judgment with demonstrated ability to think creatively and strategically.
- Aptitude and willingness to roll-up the sleeves and get involved in the details.
- Proficiency in SAS, Python and SQL.
- Excel, Word, and PowerPoint proficiency

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.

Who We Are:
As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.

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