Sr Data Scientist, BNPL Credit Risk Oversight

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: This role is responsible for providing analytical support for the Second Line oversight of Buy Now Pay Later products, including their Underwriting and Account Management practices, ensuring that the portfolio is properly managed and is operating according to strategic goals and within the risk appetite. As part of the Second Line of Defense function, you will combine analytical rigor with credit risk domain expertise to provide independent oversight, delivering effective challenges on credit strategy and risk controls. To be successful, this role requires strong analytical skills, understanding of Credit Risk principles, and the ability to collaborate across multiple functions while maintaining independence. This job will lead the development and implementation of advanced data science models and algorithms. You will work with stakeholders to understand requirements and deliver solutions. Your role involves driving best practices in data science, ensuring and data quality. Job Description: Essential Responsibilities: • Lead the development and implementation of advanced data science models. • Collaborate with stakeholders to understand requirements. • Drive best practices in data science. • Ensure data quality and integrity in all processes. • Mentor and guide junior data scientists. • Stay updated with the latest trends in data science. Minimum Qualifications: • 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications :