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Data Analyst 2 in Chennai, Tamil Nadu, India at PayPal

Date Posted: 1/4/2022

Job Snapshot

Job Description

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives. We’re a purpose-driven company, and our beliefs are the foundation of how we conduct business every day. We’re guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Collectively, these values inspire us to work together as One Team with our customers at the center of everything we do, and to take care of ourselves, each other, and the communities in which we live and work. We challenge the status quo, ask questions, and find solutions. Join us as we enable the hopes, dreams, and ambitions of millions of people around the world.

This role is to help mitigate fraud for PYPL’s Consumer Credit offerings. The successful candidate will be responsible for identifying opportunities to reduce losses & improve accuracy of risk actions across geographies & products. Credit Risk poses unique challenges as the credit customer's lifecycle is spread across multiple technology & data platforms that stretch across PYPL Credit, overall PYPL ecosystem and partner systems (as PYPL Credit expands via partnerships with local 3rd party credit experts in different markets.) In order to fully capture all the events critical to detect fraud pressure and/or fraud-driven friction, the analyst must be comfortable with multiple data platforms, multiple data types at the account, transaction and critical event levels.

Job title: Data Analyst 2

Grade Level:23 - Data Analyst 2

Job Description:

PayPal Credit is the simple, flexible credit line built into your PayPal account. PayPal Credit Risk Organization is responsible for managing the risk throughout the lifecycle of PayPal’s global Credit products. This is an exciting, fast paced organization where the contribution by team members can significantly impact PayPal’s bottom line as well as our customers’ experience.  

Fraud Strategy & Analytics team owns fraud losses from PayPal’s installments, lines and partner-credit offerings for PayPal’s global consumers, proposing solutions and measuring effectiveness of solutions post-implementation.

In order to capture all the events critical to detect fraud loss pressure and fraud-driven friction, the analyst must be comfortable with multiple data platforms, be able to combine data at the account, transaction and critical event levels.

The Fraud Strategy & Analytics team has end to end ownership of fraud losses from PayPal’s installments, lines and partner-credit offerings for PayPal’s global consumers, proposing solutions and measuring effectiveness of solutions post-implementation.

Day to day responsibilities include:

  • Identifying opportunities and gaps within current portfolio of PayPal’s Fraud Risk controls, including continuously evolving fraud trends
  • Working with the product team and establish a feedback loop to provide continuous improvements related input for the Tools and capabilities at various Fraud checkpoints.
  • Working closely with partners in Risk Platform, Global Risk and Data Sciences, Operations, Credit Product Management, Legal & Compliance and other teams to align technical solutions with business strategies and/or support several complex business processes
  • Provide operational reporting and analysis (Routine and ad hoc) related to SLA and KPI compliance tracking for existing solutions and overall Fraud controls.

  •   Own data governance by proactively performing regular audits to identify errors or opportunities and closely monitoring performance of existing and new solutions to ensure expectations are met
  • Based on analysis: Identifying trends and formulating a solution to ensure optimal balance between user experience, business enablement, operational expense and loss exposure related to proposed solution.
  • Explore on-going optimization opportunities of existing risk solutions
  • Closely monitoring performance of existing and new solutions to ensure expectations are met

Job Qualifications

Required Skills: 

  • Proficiency in SQL and Excel
  • Proficiency in at least one statistical analysis tool: SAS / R / Python
  • Strong analytical skills: ability to build quick estimates using back-of-the-envelope analysis, structure (and, if needed, execute) more complex analyses, pull together business cases..  Above all, the job calls for comfort with data – ability to manipulate it, question its validity, interpret it, and develop recommendations based on it
  • Ability to manage a large, diverse set of to-do’s – prioritize, stay on top of multiple work streams, monitor progress
  • Ability to work with leadership & stakeholders to define project scope and direction, driving large pieces of the work independently
  • Strong communication skills – a sense of appropriate communication mechanism/approach to use given context/circumstances. 
  • Experience working with cross-functional, geographically distributed teams, managing by influence is a plus. 
  • Ability to contribute to strategic discussions and represent Risk in cross-functional meetings
  • Dedicated, proactive, curious and eager to learn new approaches / methodologies – a must

Desired Skills:

  • Must be an intuitive, organized, analytical thinker, with the ability to perform detailed analysis
  • Strong written, oral, and interpersonal skills a must, including the ability to explain and/or present analysis
  • Must have good business judgment with demonstrated ability to think creatively and strategically
  • Aptitude and willingness to roll up the sleeves and get involved in the details
  • Risk management / big data manipulation experience is a plus

Education

Bachelor’s degree in Mathematics, Statistics, Operations Research, Finance, Economics or related quantitative discipline

Experience

2 - 4 years related experience

MS/MBA or PhD degree can qualify for some years of experience

Subsidiary:

PayPal

Travel Percent:

0


For more than 20 years, PayPal has remained at the forefront of the digital payment revolution. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, our open digital payments platform gives PayPal’s 400 million active account holders the confidence to connect and transact in new and powerful ways. 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.

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 paypalglobaltalentacquisition@paypal.com.

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