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: Meet your team: This role sits within Credit card fraud risk strategy team of Global Fraud Prevention Org., focused on safeguarding our customers and business from evolving fraud threats. The team is responsible for developing and executing data-driven strategies to mitigate fraud in UK PPC portfolio. What do you need to know about the role: Global Fraud Prevention resides in the Global Risk Management (GRM) organization that supports various business lines in optimizing risk and rewards to enable profitable business growth. You will be working closely with global fraud risk professionals focusing on managing and mitigating fraud risk in the UK PayPal Credit Portfolio, Be a part of this fraud revolution and enjoy the journey being with PayPal’s growing team. Why You’ll Love It here: - Impact: Your work directly influences the success and growth of PayPal’s credit offerings. - Learning: Expect to level up your analytical and problem-solving skills every day with more challenges to solve - Growth: The credit card industry is constantly evolving, and you’ll be right there on the cutting edge, sharpening your skills and new learnings along the way. - Culture: We’re a team of passionate professionals who love challenges and are always ready to celebrate a job well done.

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

- **Own the areas of Transaction Fraud risk policy**:**Work on Broad area of projects from Card risk strategies, acquisition and payment risk strategies, all depending on the business need.
- **Work closely with Stakeholders**:this includes Credit Risk, Product, finance teams to optimize fraud strategies and portfolio performance.
- **Proactively identify emerging fraud trends**and propose mitigation strategies**.**:

- **Maintain and develop Monitoring and Alerting capabilities**:to clearly monitor the PPC Card program health and simplify insights for key stakeholders.
- **Present regular updates to senior leaders**:on Portfolio Health, highlights, lowlights, and actionable insights.

**Your day to day**:

- In this role you will have full ownership of portfolio and is responsible for end-to-end management of Fraud loss and decline rates.
- Works independently and proficiently. Accountable for own results.
- Collaborate with different teams to develop strategies for fraud prevention, loss savings, and optimize transaction declines.
- Analyze and assess risks to provide informed recommendations for mitigation strategies
- Prepare periodic KPI reports summarizing the business units’ risk and control environment for senior management

**What do you need to bring**:

- **2-5 years of domain expertise**:

- **Excellent Problem-Solving Skills**: Strong judgment and the ability to think strategically, cr