Data Scientist

**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 Each Data Scientist on this team has full ownership of a portfolio of a product and is responsible for end-to-end management of loss and decline rates. Day-to-day duties 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. Meet our team PayPal's Global Fraud Protection team is responsible for partnering with global business units to manage a variety of risk of various types, including identity fraud, account takeover, stolen financial fraud, and credit issues. This is an exciting department that plays an important role in contributing PayPal's bottom line financial savings, ensuring safe and secure global business growth, and delivering the best customer experience. This open opportunity is within the Large Merchant and Markets Fraud Risk team. This portfolio is comprised of PayPal’s newest leading-edge payments solutions, such as Risk-as-Service, Fastlane, PayPal Complete Payments, etc. as well as customized experiences developed for the company’s highest-priority strategic Markets and Partnerships.

**Job Description**:
**Your way to impact**

You will be the Data Scientist in the Fraud Risk team**,** where you will work on leading new projects to build and improve the Risk strategies to prevent fraud using the Risk tooled and custom data & AL/ML models. In this position, you will be 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.

**Your day to day**

In your day to day role you will
- In this role you will have full ownership of a portfolio of merchants and is responsible for end-to-end management of loss and decline rates.
- Collaborate with different teams to develop strategies for fraud prevention, loss savings, and optimize transaction declines or improve customer friction.
- You will work together with cross-functional teams to deliver solutions and providing Risk analytics on frustration trend/ KPIs monitoring or alerting for fraud events.
- These solutions will adapt PayPal’s advanced proprietary fraud prevention tools enabling business growth.

**What do you need to bring-**
- 2-4 years of relevant experience working with large-scale complex dataset.
- Strong analytical mindset, ability to decompose business requirements into an analyt