Sr Data Scientist

The Company

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. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers.

We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards.  Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade. 

Our beliefs are the foundation for how we conduct business every day.  We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities.

Job Summary:

What you need to know about the role

You will develop and enhance CECL and IFRS9-compliant loss forecasting models using advanced machine learning and statistical techniques. Your work will directly influence PayPal’s credit risk management and loss reserves.

Meet our team

You’ll join the Global Credit Intelligence Team, a collaborative group within the broader Global Credit Risk organization. Here, you’ll work alongside experts in data science, finance, strategy, and risk to deliver innovative solutions that drive PayPal’s credit risk analytics forward. You will partner closely with teams across the business—including SLOD Model Risk Management, finance, and external regulators—to ensure our models are robust, compliant, and impactful. Your work will help shape credit strategies that protect our customers and business, all within a supportive and inclusive environment where your ideas and growth are valued.

Job Description:

Your way to impact

In this role, you will apply advanced machine learning and statistical techniques to PayPal’s rich proprietary data, driving the development of CECL and IFRS9-compliant loss forecasting models. Your work will directly shape credit risk strategies by providing accurate, data-driven insights that inform key business and regulatory decisions. As part of the Global Credit Intelligence Team, you will help ensure our credit policies and loss reserves are closely aligned with real-time risk exposures and evolving macroeconomic trends. By delivering robust, explainable models, you will play a vital role in supporting PayPal’s strategic business decisions and compliance with regulatory requirements.

Your day to day

• Extract, prepare, and validate large, complex datasets from PayPal’s proprietary systems using SQL, Python to support model development and analytics.

• Build, enhance, and document CECL/IFRS9-compliant loss prediction models, leveraging PD/EAD/LGD frameworks and vintage loss rate methodologies.

• Conduct rigorous model performance testing, stress testing, and scenario analysis to ensure models are robust and regulatory-compliant

• Collaborate cross-functionally with implementation, finance, accounting, risk, and external stakeholders to align on model outputs, definitions, and business needs.

• Clearly communicate analytic insights and model results to senior leadership, and provide expert support for regulatory exams and audit reviews.

What do you need to bring

• Advanced degree in a quantitative discipline (e.g., statistics, mathematics, data science, computer science, engineering, or related field).

• Deep expertise in statistical modeling, machine learning, or econometrics applied to credit risk, knowledge and familiarity of CECL and IFRS9 regulatory requirements and modeling best practices is a plus.

• Strong technical skills working with large datasets using SQL, Python, R, or similar tools; experience with cloud-based platforms such as GCP is highly desirable.

• 5+ years of hands-on experience developing consumer or small business credit risk models, preferably within a CECL/IFRS9 framework.

• Excellent communication and collaboration skills, with strong business judgment and a passion for data-driven problem solving.

Preferred Qualification:

Subsidiary:

PayPal

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 https://www.paypalbenefits.com.

Who We Are:

Click Here to learn more about our culture and community.

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.  If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at talentaccommodations@paypal.com.  

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. 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.

Any general requests for consideration of your skills, please Join our Talent Community.

We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.