BNPL Credit Risk Manager

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.

Job Summary: Data Science Manager for the UK BNPL products as part of the European and Australian Buy Now Pay Later Risk Team. The role focus is on scaling the UK BNPL products responsibly, while analyzing and identifying consumer risk trends, making recommendations for optimal credit risk strategies and the BNPL funnel. It’s a hands-on data/analytics-heavy role within a high-impact credit risk organization.

Essential Responsibilities:

• Lead and manage data science projects, ensuring timely delivery and alignment with business goals.
• Develop and maintain data models, algorithms, and reporting systems to support data analysis and decision-making.
• Analyze complex datasets to identify trends, patterns, and insights that drive strategic initiatives.
• Collaborate with cross-functional teams to understand data needs and provide actionable insights.
• Ensure data quality and integrity through regular audits and validation processes.
• Mentor and guide junior data scientists, fostering a culture of continuous learning and improvement.

Expected Qualifications:

• 5+ years relevant experience and a Bachelor's degree OR any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications:

• Influence the strategic direction of the BNPL portfolios, utilizing UK market expertise and analytically driven ideas.
• Work with P&L owners and other stakeholders to analyze, propose and implement robust strategies across the lifecycle of Buy Now Pay Later.
• Measure the P&L impact of credit strategies to optimize mix of risk and revenue.
• Share insights with leadership on book quality and provide recommendation on risks and opportunities.
• Explore data sources internal and external to PayPal and evaluate their potential contribution to the credit underwriting process.
• Interact with operations teams to provide input in impact of credit strategies on customer communication and collections efforts.
• Interact with compliance and legal teams to confirm the credit strategies are compliant with applicable regulatory guidelines.

Requirements:

• Proven experience in credit risk management is a must, along with in-depth market knowledge of credit performance, data providers, credit and behavioural scoring and industry best practices.
• 5+ years' experience in credit and/or fraud risk management and underwriting in consumer credit products (e.g. credit cards, instalment loans or other revolving credit products), preferably with a fintech background.
• Strong written, oral, and interpersonal skills a must including the ability to explain/present technical business flows.
• Experience with credit bureaus and other sources of consumer data.

Qualifications:

• Typically requires a minimum of 5 years of related experience with a Bachelor's degree; or 3 years and a Master's degree; or a PhD without experience; or equivalent work experience.
• Experience with analytics and data mining tools, such as SQL, Python, Advanced Excel, Tableau.
• Proven ability to influence, work collaboratively, build and maintain relationships throughout the organization.
• Must have good judgment with the demonstrated ability to think creatively and strategically.

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam.

For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

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.

Commitment to Diversity and Inclusion: PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law.