Who We Are

Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (NASDAQ: PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal’s 305 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom, enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.

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Job Description Summary

This role is to help mitigate fraud for PYPL’s Consumer Credit offerings. The successful candidate will be responsible for identifying opportunities to reduce losses & improve accuracy of risk actions across geographies & products.

Credit Risk poses unique challenges as the credit customer’s lifecycle is spread across multiple technology & data platforms that stretch across PYPL Credit, overall PYPL ecosystem and partner systems (as PYPL Credit expands via partnerships with local 3rd party credit experts in different markets.)

In order to fully capture all the events critical to detect fraud pressure and/or fraud-driven friction, the analyst must be comfortable with multiple data platforms, multiple data types at the account, transaction and critical event levels.

Job Description

PayPal Credit is the simple, flexible credit line built into your PayPal account. PayPal Credit Risk Organization is responsible for managing the risk throughout the lifecycle of PayPal’s global Credit products. This is an exciting, fast paced organization where the contribution by team members can significantly impact PayPal’s bottom line as well as our customers’ experience.

Fraud Strategy & Analytics team owns fraud losses from PayPal’s installments, lines and partner-credit offerings for PayPal’s global consumers, proposing solutions and measuring effectiveness of solutions post-implementation.

In order to capture all the events critical to detect fraud loss pressure and fraud-driven friction, the analyst must be comfortable with multiple data platforms, be able to combine data at the account, transaction and critical event levels.

Day To Day Responsibilities Include

The Fraud Strategy & Analytics team has end to end ownership of fraud losses from PayPal’s installments, lines and partner-credit offerings for PayPal’s global consumers, proposing solutions and measuring effectiveness of solutions post-implementation.

• Identifying opportunities and gaps within current portfolio of PayPal’s Fraud Risk controls, including continuously evolving fraud trends
• Based on analysis, formulating a solution to ensure optimal balance between user experience, business enablement, operational expense and loss exposure related to proposed solution
• Working closely with partners in Risk Platform, Global Risk and Data Sciences, Operations, Credit Product Management, Legal & Compliance and other teams to formulate and execute fraud risk solutions
• Collaborating with external partners, including external Credit/Banking partners and Data vendors
• Advocating with Risk and various Business Unit leaders to gain agreement and secure resources for proposed solutions
• On-going optimization of existing risk solutions
• Closely monitoring performance of existing and new solutions to ensure expectations are met

This individual’s key performance KPIs will include Loss Performance, Fraud Decline rates, Revenue/Margin enabled, and Customer Experience.

Required Skills

Job Qualifications

• Proficiency in SQL and Excel
• Proficiency in at least one statistical analysis tool: SAS / R / Python
• 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, navigate multi-dimensional sets of tradeoffs. Above all, the job calls for comfort with data – ability to manipulate it, question its validity, interpret it, and develop recommendations based on it
• Ability to manage a large, diverse set of to-do’s – prioritize, stay on top of multiple work streams, monitor progress
• Ability to work with leadership & stakeholders to define project scope and direction, driving large pieces of the work independently
• Strong communication skills – a sense of appropriate communication mechanism/approach to use given context/circumstances.
• Experience working with cross-functional, geographically distributed teams, managing by influence is a plus.
• Ability to contribute to strategic discussions and represent Risk in cross-functional meetings
• Ability to mentor junior team members
• Dedicated, proactive, curious and eager to learn new approaches / methodologies – a must
  

Desired Skills

• 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
• Risk management / big data manipulation experience is a plus

Education

Bachelor’s degree in Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline