Paypal

Data Scientist 1

Posted On

April 25, 2025

Location

Bangalore, Karnataka

Experience Level

Freshers/Experienced

Job Type

Full Time

Apply By

June 15, 2025

Job Description

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 offers a unique opportunity to manage the customer lifecycle through data-driven strategy and decision accuracy optimization. This is an exciting, fast-paced organization where the contribution by team members can significantly impact PayPal’s bottom line as well as the end customer experience. We’re looking for an Analyst to join the team and help in our efforts to manage customer lifecycle globally across various products.

In this role, you will be a strong individual contributor developing solutions for complex, ambiguous and high-visibility business challenges specific to Credit Fraud strategy and Loss Mitigation. You will set and execute a vision for the team that reflects your deep analytical expertise.

Job Description:

Primary responsibilities:

Design, develop and maintain data-driven solutions for PayPal consumer risk management. Makes sound decisions that balance risk, user experience and financial performance.
Identify and address problems and issues during normal course of work and respond to risk mitigation needs quickly to solve issues.
Develop and automate tracking functionality that monitors volume and solution efficacy. Regularly evaluate and communicate performance of solutions to management.
Exercise judgment in selecting methods, techniques and evaluation criteria for obtaining results on matters of significance to the business.
Look for improvement and innovation opportunities with business impact. Provide a source of high-quality ideas
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
Liaise with internal partners and collaborate with external partners, including external credit/banking partners and data vendors with a view towards iterative process improvement.
Support existing automated systems and develop other systems/process and algorithms that could streamline strategy/solution building process and generate good business results.

Education & Required Skills:

Bachelor’s degree in Engineering, Mathematics, Statistics,, Finance or related quantitative discipline preferred
2-5 years proven credit or fraud risk analytics experience or equivalent.
Must be an intuitive, organized analytical thinker, with the ability to perform detailed analysis; strong in analytics and problem solving. experienced with predicative modeling, data mining and analytical tool. Proficient with SQL, SAS, Python, Unix, R etc.
Proven experience in employing analytics solution on real world problems.
Good business sense and logical thinking. Ability to synthesize information and generalize the pattern.
Proven ability to work proficiently on well-defined projects; Focuses primarily on how to achieve overall business objectives of a project with speed and quality
Effective inter-personal skills. Manage relationship with key partners. Able to collaborate with remote teams effectively.
Skilled in Presenting – can effectively communicate in large or small group settings.
Strong written, oral, and interpersonal skills a must including the ability to explain and/or present analysis
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
Experience working with cross-functional, geographically distributed teams, managing by influence is a plus.

Preferred Qualification:

Subsidiary:

PayPal

Travel Percent:

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.

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