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Credit Risk Alternative Lending Strategy in Timonium at PayPal

Date Posted: 7/30/2020

Job Snapshot

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Job Description

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.

Business Financial Solutions (BFS) exists to enable the hopes and dreams of our merchants by providing fair, fast and flexible access to capital. BFS Credit Risk exists to support the overall BFS mission by building capabilities to: 1) Build solutions that accurately evaluate risk while optimizing the lending process to provide business owners with the appropriate amount of working capital at a fair price. 2) Build a thorough and robust framework to monitor and track asset quality and to identify risks and opportunities that will help Business Financial Solutions (BFS) achieve its financial goals. 3) Design strategies to maximize risk adjusted returns and minimize expenses.

General Description:

  • Interact with senior management and associates to gain a broad understanding of how the lending life-cycle works and what the critical business objectives are.
  • Access, analyze, and convert both internal and external data into knowledge to build data-driven strategies\policies to solve business objectives related to credit risk.
  • Create meaningful business case to support strategy\policy recommendations and drive alignment and prioritization with key stakeholders.
  • Clearly define business requirements and work in collaboration with Product, Technology, Operations, and Project Management teams to effectively execute strategy\policy recommendations accurately and in a timely manner.
  • Monitor and manage strategies/policies to ensure they are working as intended or need to be redeveloped.
  • Removes obstacles, balance competing priorities and collaborates effectively within the organization.

Specific To Role:

  • Build an automated system to evaluate credit risk based on the cash flow of a business applying for a Small Business Loan.
  • Evaluate different methods for obtaining cash flow data including, but not limited to, connections to bank account data, physical bank statements, accounting software, tax returns, and other sources.
  • Deliver a system to accurately read physical bank statements into a structured quantitative data format either through home-grown solutions or through third-party providers.
  • Deliver static and time series attributes derived from cash flow sources that could be used as candidate attributes in predictive models or decision-making strategies.
  • Deliver predictive models based on cash flow attributes that predicts various credit related outcomes such as probability of default.
  • The automated system must be scalable, and provide reasonable coverage of target applicant universe.
  • Manage project timelines and milestones across line of business, project management, technology, legal, compliance, and fair lending to advance project from proof-of-concept to implementation.
  • Individual contributor that must collaborate with a team, focusing on completing individual tasks, as well as, striving to achieve a common objective.


  • 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.
  • Prior experience in machine learning techniques, such as Linear and Logistic Regression, Bayesian models, GLMs, SVM, LDA, Decision Trees, Random Forests, Neural Networks, Clustering, Time Series Analysis, Forecasting, Survival / Duration Analysis, or similar.
  • 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



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