Data Scientist

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: What you need to know about the role: This role offers a unique opportunity to learn about all Global Revolve Consumer Credit portfolios in PayPal and influence Credit Risk policies and capabilities for these products. Meet our team: Global Revolve Analytics and Insights team is a part of Global Credit Risk organization in PayPal. We are looking for a Data Scientist for our team to be responsible for Credit Risk data analysis and reporting infrastructure to support all analytical needs.

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

In your role, you will be focusing on analysing rich Consumer Credit Risk and PayPal wallet data to identify emerging Credit Risk trends and generate actionable insights to help drive underwriting and portfolio management decisions for our Revolve Consumer Credit products.

**Your day to day -**

In your day to day role you will:

- Perform deep dive analysis of Consumer Credit portfolios in US and UK to provide actionable insights to portfolio management and senior leadership teams.
- Develop and continuously enhance reporting and monitoring capabilities to detect emerging credit risk trends and mitigate credit risk exposure in the revolve consumer lending portfolios
- Analyze large and complex data from multiple sources both internal and external to define requirements for new capabilities and product features to support portfolios growth and profitability.
- Collaborate with cross functional teams to support business critical initiatives for Consumer Credit organization.
- 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 consumer lending.

**What do you need to bring -**
- Bachelor’s/Master’s degree in a quantitative field (such as Analytics, Statistics, Mathematics, Economics or Engineering) or equivalent field experience
- 5+ years of experience working in a credit or credit supporting function and 3+ years of experience in relevant positions (e.g., Data or Decision Scientist, Data Analyst, Statistician, Risk Management, etc.)
- Experience analyzing very large, complex, and multi-dimensional datasets to identify trends and draw meaningful and accurate conclusions.
- Analytical skills and ability to approach problems in a quantitative and qualitative manner, and partner with the business to understand their needs, and drive solutions.
- Effective communication skills, in both written and verbal formats, with senior executive-level leaders.
- The capability to execute in a fast paced, high demand, environment while balancing multiple priorities.
- Proficiency in using SQL/SAS/R/Python/KnowledgeSeeker
- Experience with data visualization
- 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.