Sr Data Scientist
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Wilmington, DE 19893
Fueled by a fundamental belief that having access to financial services creates opportunity, PayPal (NASDAQ: PYPL) is committed to democratizing financial services and empowering people and businesses to join and thrive in the global economy. Our open digital payments platform gives PayPal’s 305 million active account holders the confidence to connect and transact in new and powerful ways, whether they are online, on a mobile device, in an app, or in person. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.
Job Description Summary:
PayPal’s Credit Organization is responsible for managing the risk throughout the lifecycle of PayPal’s credit products. This is an exciting organization where the contributions by the team members can really help PayPal’s bottom line and create experiences that our customers love.
The PayPal Business Financing Solutions team is looking for a high-performing professional to:
Conceive, design & monitor credit risk management strategies to improve business profitability in the areas of underwriting, credit line management, universe expansion and alternative data evaluation for Global Business Lending.
Analyze customer level information to determine the effectiveness of credit policies and recommend necessary changes to improve profitability.
Innovative use of data and processes to improve risk management strategies and the customer experience.
Analyze portfolio trends to deliver strategic business insight from internal and external data.
Communicate concise and actionable business strategies from vast amounts of data for Sr. Management.
-Bachelor’s degree or higher in a quantitative field such as Decision Science, Data Science, Mathematics, Statistics, Computer Science, Operations Research, Engineering, Finance, or Economics.
-5+ years of experience in Financial Services, specifically within Credit Risk Management, Small Business, Commercial, or Consumer lending.
-5+ years of experience solving business problems leveraging data and analytics.
-5+ years of experience using SQL, SAS, R, Python, Xeno, MatLab, or similar data-mining and analytics applications.
-Capable of completing descriptive, diagnostic, exploratory, predictive, and prescriptive analytical exercises.
-Proven ability to give meaning, insight, and purpose to information to drive business decisions.
-Capable of managing change through typical strategy development lifecycle stages such as Ideation, Solutioning, Execution, and Go-To Market.
-Proficient in Excel, Word, and PowerPoint.
-Excellent communication and presentation skills, problem-solving, time-management, collaboration, and interpersonal skills.
-Proven ability to simply explain complex information to both technical and non-technical audiences.
-Ability to work autonomously as well as in a team setting.
-Demonstrated ability to influence critical business outcomes in a matrix based, global environment.
-Aptitude and willingness to roll-up the sleeves and get involved in the details.
-Highly curious with the desire to go deep beneath the surface to solve problems.
-Must have good business judgment with demonstrated ability to think creatively and strategically.
We’re a purpose-driven company whose beliefs are the foundation for how we conduct business every day. We hold ourselves to our One Team Behaviors which demand that we hold the highest ethical standards, to empower an open and diverse workplace, and strive to treat everyone who is touched by our business with dignity and respect. Our employees challenge the status quo, ask questions, and find solutions. We want to break down barriers to financial empowerment. Join us as we change the way the world defines financial freedom.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. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at email@example.com.