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- Tasks: Analyse consumer risk trends and optimise the BNPL funnel daily.
- Company: Join PayPal, a leader in fintech, committed to innovation and inclusivity.
- Benefits: Enjoy flexible work options, shares, insurance, and support for your well-being.
- Why this job: Make a real impact on business outcomes while collaborating with diverse teams.
- Qualifications: Expertise in credit risk management and proficiency in SQL, Python, and analytics required.
- Other info: Hybrid work model: 3 days in the office, 2 days flexible.
The predicted salary is between 43200 - 72000 £ per year.
As a Senior Data Scientist for the France BNPL products, you will be part of the European and Australian Buy Now Pay Later Risk Team. Your role involves analyzing consumer risk trends, recommending credit risk strategies, and optimizing the BNPL funnel. This data-driven role impacts business outcomes and customer experience.
Your Day-to-Day:
- Collaborate with P&L owners and stakeholders: Analyze, propose, and implement strategies across the BNPL lifecycle.
- Assess the P&L impact of credit strategies: Ensure a balance between risk and revenue.
- Provide insights on book quality: Offer recommendations on risks and opportunities.
- Explore data sources: Evaluate their contributions to credit underwriting.
- Partner with compliance and legal teams: Ensure regulatory compliance of credit strategies.
- Work with operations: Assess impacts on customer communications and collections.
Requirements to succeed:
- Expertise in Credit Risk Management: Knowledge of credit performance, scoring models, and industry practices.
- Experience in Credit & Fraud Risk: Background in consumer credit risk management, fintech experience preferred.
- Analytics Skills: Proficiency in SQL, Python, Excel, Tableau, with problem-solving experience.
- Data-driven decision-making: Experience working with credit bureaus and consumer data.
- Communication Skills: Ability to convey complex insights clearly.
- Problem-solving: Strategic, creative, and practical thinking skills.
- Collaboration and influence: Ability to work across teams and build relationships.
Our hybrid work model offers 3 days in the office and 2 days flexible between home and office.
Benefits: We support your financial, physical, and mental health with benefits like flexible work, shares options, insurance, and more.
Commitment to Diversity and Inclusion: We provide equal opportunity and reasonable accommodations for disabilities. Contact us if needed.
Belonging at PayPal: We foster an inclusive environment where everyone can do their best work. Apply regardless of your background or experience.
Senior Data Scientist • Credit Risk employer: PayPal
Contact Detail:
PayPal Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Data Scientist • Credit Risk
✨Tip Number 1
Familiarise yourself with the latest trends in credit risk management, especially within the BNPL sector. Understanding current challenges and innovations will help you engage in meaningful conversations during interviews.
✨Tip Number 2
Network with professionals in the fintech industry, particularly those working in credit risk. Attend relevant meetups or webinars to build connections that could lead to referrals or insider information about the role.
✨Tip Number 3
Brush up on your technical skills, especially SQL and Python, as these are crucial for data analysis in this role. Consider working on personal projects or contributing to open-source projects to showcase your abilities.
✨Tip Number 4
Prepare to discuss specific examples of how you've successfully implemented credit risk strategies in the past. Highlight your problem-solving skills and ability to collaborate across teams, as these are key aspects of the job.
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 analytics. 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 the responsibilities outlined in the job description, particularly your ability to analyse consumer risk trends and recommend strategies.
Showcase Your Technical Skills: In your application, emphasise your proficiency in SQL, Python, Excel, and Tableau. Provide examples of how you've used these tools in previous roles to solve problems or improve processes related to credit risk.
Highlight Collaboration Experience: Since the role involves working with various teams, mention any past experiences where you successfully collaborated with stakeholders, compliance teams, or operations. This will demonstrate your ability to work across teams and build relationships.
How to prepare for a job interview at PayPal
✨Showcase Your Analytical Skills
As a Senior Data Scientist, you'll need to demonstrate your proficiency in SQL, Python, and data analysis tools. Be prepared to discuss specific projects where you've used these skills to solve complex problems or improve processes.
✨Understand Credit Risk Management
Familiarise yourself with credit performance metrics and scoring models. During the interview, be ready to explain how you would assess and balance risk and revenue in credit strategies, as this is crucial for the role.
✨Communicate Clearly
Your ability to convey complex insights in a clear and concise manner is vital. Practice explaining your past work and findings in a way that someone without a technical background can understand, as you'll need to collaborate with various stakeholders.
✨Demonstrate Collaboration Skills
Highlight your experience working across teams, especially with compliance and legal departments. Share examples of how you've built relationships and influenced decisions in previous roles, as collaboration is key in this position.
