Data Scientist - Payments Risk Management & Data Analytics

This job will develop and implement data science models and algorithms to support business needs. You will work with stakeholders to understand data requirements and deliver solutions. Your role involves ensuring data quality, optimizing data processes, and collaborating with cross-functional teams.

Essential Responsibilities:

• Develop and implement data science models and algorithms.
• Analyze and interpret complex data sets.
• Ensure data quality and integrity.
• Collaborate with stakeholders to understand data requirements.
• Optimize data processes for efficiency and performance.
• Perform advanced statistical analysis and reporting.

Minimum Qualifications:

• 1+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications:

• Develop dashboards and data visualizations to monitor payments risk trends.
• Support development and maintenance of KRIs and KPIs using transactional data.
• Analyze data to identify anomalies and assist in surfacing potential emerging risks.
• Prepare summaries and reporting materials for senior stakeholders and risk committees.
• Support impact assessments, analytical deep-dives, and regulatory or scheme-driven requests.
• Assist in monitoring payments risks across the payments lifecycle.
• Partner with first-line teams to support tracking of remediation actions.
• Contribute to risk governance activities, including reporting and documentation.
• Collaborate with cross-functional partners to ensure data accuracy and reporting consistency.
• Translate analytical findings into clear, structured insights with guidance from senior team members.
• Experience analyzing large datasets (payments or fintech experience preferred but not required).
• Working proficiency in SQL and familiarity with Python and BI tools (Tableau, Power BI, etc.).
• Strong analytical and problem-solving skills.
• Ability to communicate findings clearly in written and verbal formats.

What you need to bring:

• Foundational experience in data analysis and risk monitoring.
• Strong attention to detail and ownership of deliverables.
• Ability to work collaboratively in a cross-functional environment.
• Eagerness to learn payments risk frameworks and governance processes.

Ability to simplify analytical findings into clear narratives with appropriate guidance.

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes. Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately.

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.

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 comprehensive, choice-based programs, to support all aspects of personal wellbeingphysical, emotional, and financialdelivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

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 .

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.