BNPL Credit Risk Manager

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 Description 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.

• 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.

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

• Influence the strategic direction of the BNPL portfolios, utilizing UK market expertise and analytically driven ideas.
• Work with P 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 the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

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 share options, health and life insurance and more.

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 means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.