Data Scientist 1

To manage fraud risk management for global merchant lending product and setting up foundational fraud risk strategies to manage fraud losses and improve business profitability for PayPal merchant lending products across markets. To identify opportunities and gaps within the current portfolio of PayPal s Fraud Risk controls, including continuously evolving fraud trends. Also, formulate & propose fraud solutions to ensure optimal balance between user experience, business enablement, operational expense and loss exposure.

Your way to impact:

Global merchant lending offers suits of products which offers business loan primarily to merchants. This role is with the Fraud Strategy and Analytics team in the Global merchant lending team. This team is part of PayPal s Risk organization and is responsible for mitigating fraud risk on PayPal s Global merchant lending products.

Your day-to-day :

• Conceive, design, and monitor fraud risk management strategies to manage fraud losses and improve business profitability for consumer lending products
• Identify opportunities and gaps within the current portfolio of PayPal s Fraud Risk controls, including continuously evolving fraud trends
• Formulate & propose solutions to ensure optimal balance between user experience, business enablement, operational expense and loss exposure
• Communicate concise and actionable business strategies and present new strategy recommendations to senior management for approval
• Monitor performance of existing & new solutions and optimize to ensure desired results
• Work closely with partners in Risk Platform, Data Sciences, Operations, Product Management, Legal & Compliance and other teams to formulate and execute fraud risk solutions
• Collaborate with external partners, including external credit/banking partners and data vendors
• Works independently and proficiently on multiple assignments simultaneously with speed and quality.

What do you need to bring :

• Bachelor's degree in Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline
• 2-3 years proven credit or fraud risk analytics experience or equivalent
• Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis
• Proficiency in SQL and Excel. Proficiency in at least one statistical analysis tool: SAS / R / Python
• Strong written, oral, and interpersonal skills a must including the ability to explain and/or present analysis
• Ability to contribute to strategic discussions and represent Risk in cross-functional meetings
• Ability to manage a large, diverse set of to-do s - prioritize, stay on top of multiple workstreams, monitor progress
• Ability to work with leadership & stakeholders to define project scope and direction, driving large pieces of the work independently
• Dedicated, proactive, curious and eager to learn new approaches / methodologies - a must