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For Companies At a Glance
- Tasks: Join our team to analyse consumer risk trends and optimise credit strategies.
- Company: PayPal is a global leader in secure and innovative payment solutions.
- Benefits: Enjoy flexible work options, employee shares, health insurance, and more.
- Why this job: Make a real impact on commerce while working in a diverse and inclusive environment.
- Qualifications: Expertise in credit risk management and advanced analytics tools like SQL and Python required.
- Other info: Hybrid work model with 3 days in the office and 2 days remote.
The predicted salary is between 43200 - 72000 £ per year.
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.
As PayPal continues its mission to revolutionize commerce, we are looking for a skilled Senior Data Scientist to join our Buy Now Pay Later (BNPL) Risk Team, focusing on the France BNPL products. In this role, you will use data to drive key business decisions, optimize credit risk strategies, and help shape effective credit risk management at PayPal.
Your Way to Impact
As a Senior Data Scientist for the France BNPL products, you will be an integral part of the European and Australian Buy Now Pay Later Risk Team. You will analyze consumer risk trends, recommend optimal credit risk strategies, and help optimize the BNPL funnel. This is a highly data-driven role in a high-impact credit risk organization, where your insights will drive business outcomes and improve the customer experience.
Your Day-to-Day
- Collaborate with P&L owners and stakeholders to analyze, propose, and implement effective strategies across the entire BNPL lifecycle.
- Assess the P&L impact of credit strategies, ensuring the optimal balance between risk and revenue.
- Provide leadership with insights on book quality, offering recommendations on risks and opportunities.
- Explore internal and external data sources to evaluate their potential contributions to the credit underwriting process.
- Partner with compliance and legal teams to ensure all credit strategies comply with applicable regulatory guidelines.
- Work closely with operations teams to assess the impact of credit strategies on customer communications and collections efforts.
What you’ll need to succeed:
- Expertise in Credit Risk Management: In-depth knowledge of credit performance, data providers, scoring models, and industry best practices.
- Experience in Credit & Fraud Risk: Strong background in risk management and underwriting for consumer credit products (e.g., credit cards, installment loans, revolving credit), with a preference for fintech experience.
- Advanced Analytics Expertise: Proficiency in SQL, Python, Advanced Excel, Tableau, and other analytics tools, with a proven track record of using them to solve real-world problems.
- Data-Driven Decision-Making: Hands-on experience working with credit bureaus and other consumer data sources to drive strategic decision-making.
- Exceptional Communication Skills: Outstanding written, verbal, and interpersonal communication abilities, capable of translating complex technical concepts into clear, actionable insights for diverse audiences.
- Strategic & Creative Problem-Solving: Strong judgment and the ability to think strategically, creatively, and practically to address complex challenges.
- Collaboration and Influence: Strong ability to collaborate across teams, build relationships, and drive results through influence and teamwork.
We Believe in You
Ready to join our ride? Click "apply" or/and let’s talk - We can’t wait to hear from you!
Preferred Qualification:
Travel Percent: 0
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 the 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.
We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit paypalbenefits.com.
Who We Are:
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. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities.
Belonging at PayPal: Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging.
Senior Data Scientist • Credit Risk employer: PayPal, Inc.
Contact Detail:
PayPal, Inc. Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Data Scientist • Credit Risk
✨Tip Number 1
Familiarise yourself with PayPal's core values of Inclusion, Innovation, Collaboration, and Wellness. During your interactions, whether in interviews or networking, demonstrate how your personal values align with theirs to show you're a great cultural fit.
✨Tip Number 2
Stay updated on the latest trends in credit risk management and fintech innovations. Being able to discuss recent developments or case studies during your conversations can showcase your expertise and passion for the field.
✨Tip Number 3
Network with current or former employees of PayPal, especially those in data science or credit risk roles. They can provide valuable insights into the company culture and the specific challenges faced by the BNPL Risk Team.
✨Tip Number 4
Prepare to discuss your experience with SQL, Python, and other analytics tools in detail. Be ready to share specific examples of how you've used these skills to solve real-world problems, as this will be crucial in demonstrating your fit for the role.
We think you need these skills to ace Senior Data Scientist • Credit Risk
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk management and data analysis. Use keywords from the job description to demonstrate that you meet the specific requirements for the Senior Data Scientist role.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for data science and credit risk. Explain how your skills and experiences align with PayPal's mission and values, particularly focusing on collaboration and innovation.
Showcase Technical Skills: In your application, emphasise your proficiency in SQL, Python, and other analytics tools mentioned in the job description. Provide examples of how you've used these skills to solve real-world problems in previous roles.
Highlight Communication Abilities: Since exceptional communication skills are crucial for this role, include examples of how you've effectively communicated complex data insights to diverse audiences in your past experiences.
How to prepare for a job interview at PayPal, Inc.
✨Showcase Your Data Skills
As a Senior Data Scientist, you'll need to demonstrate your expertise in SQL, Python, and analytics tools. Prepare examples of how you've used these skills to solve real-world problems, especially in credit risk management.
✨Understand Credit Risk Management
Familiarise yourself with the principles of credit risk management and be ready to discuss your experience in this area. Highlight any specific projects or strategies you've implemented that improved credit performance.
✨Communicate Clearly
PayPal values exceptional communication skills. Practice explaining complex technical concepts in simple terms, as you may need to present your findings to stakeholders who aren't data experts.
✨Demonstrate Collaboration
Be prepared to discuss how you've successfully collaborated with cross-functional teams in the past. Share examples of how you built relationships and influenced outcomes through teamwork, particularly in risk management contexts.
