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Product Management 1 - Tech in San Jose, California, United States of America at PayPal

Date Posted: 6/11/2022

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 searching for an action-oriented, articulate Senior Product Management to lead efforts to build risk management tools for PayPal's merchant payments processing platform.

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 375 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. 

About the Team 

Risk as a Service is a product- and engineering-focused group and the Product Management team is at the heart of everything we do. We collaborate with our peers in Engineering, Design, and Analytics to build products and features that delight our merchant partners, and our business. We partner with Data Sciences, Product Marketing, Sales, Support, and Pricing teams to successfully bring our product to market. Our culture places a strong emphasis on aligned autonomy, collaboration, and a deep sense of ownership.  At Risk as a Service, our vision is to build world-class Risk Mitigation offerings for our diverse merchant base which cater to their requirements depending on their size, geography, complexity and maturity of risk management. Backed by our state-of-the-art machine learning models and the ability to tap in to decades worth of historic consumer and merchant behaviour our risk offerings strive to strike the right balance between control and flexibility to help our merchants fight fraud and minimize risk to their business. 

About the Role  

We are looking for an experienced, customer-minded senior product manager to lead our risk platform efforts. You will be responsible for setting the vision, strategy, and roadmap for teams to translate the raw insights we have about risk mo’s we see on our networks, feedback from our merchants and insights from our country PMM’s to create a highly effective risk mitigation system. The ideal candidate will have relevant experience building risk systems at scale and a strong understanding for when to deploy rapid iterations on rules-based approaches vs. investing in more intensive machine learning models. You will work closely with teams of engineers, data scientists, product designers, and analysts to drive new algorithm development, create a plan for continuous optimization, and create measurable impact throughout the risk mitigation experience. This is a crucial initiative and core to our vision of creating a world-class risk mitigation eco system for our merchants. 

In addition, we expect everyone on the Risk as a Service team to:  

  • Use an effective combination of research, data, and product intuition to make timely decisions  

  • Understand the “why” behind everything we do and instill that understanding across the teams you work with  

  • Serve as a communication hub and collaborate with other teams to ensure alignment across the ecosystem of Risk Externalization products  

  • Level up the team around them, providing inspiration and mentorship to more junior product managers and introducing better ways of working and thinking  

  • Have a deep awareness, respect, and empathy for what we ask of our users and the value we provide them in return 


We’re looking for candidates with  

  • At least 6 years of experience building and shipping external customer-facing products with a focus on risk management and merchant experience 

  • Experience managing at least 2 different products, and a track record of building trust quickly throughout an organization and getting stuff done  

  • Fluency with data science and machine learning concepts, but more importantly, a deep appreciation of what big data can and can’t do  

  • A natural, deep curiosity that drives you to learn, investigate, and constantly ask why  

  • Expert communication skills that enable you to persuade and inspire, break down complex concepts, and keep teams aligned  

  • The ability to think out of the box when it comes to generating ideas, but an understanding that execution is what ultimately matters  

  • Comfort with ambiguity, and an instinct for moving quickly and iterating rapidly 


General responsibilities: 

  • Influences and executes on a defined product/service roadmap for one or more service/feature areas. 

  • Expected to articulate and write product strategies, working with cross-functional groups to achieve support as necessary. 

  • Writes clear, detailed, and thorough specifications for complex services, features or products. 

  • May contribute to cross-functional requirements of larger or multi-section PRDs and writes or supports business cases.  

  • Articulates key product messaging for Product, Marketing, Operations and/or BU teams to support product launch and GTM. 

  • Viewed as a service or product expert for a single product/service area or as having broad experience that is helpful on new initiatives. 

  • Creative in designing solutions and recognizes best design practices.  

  • Has deep understanding of platform and technology in product area.  

  • Writes or consults on epics, user stories across multiple complex and cross-functional feature/ service areas. 

  • Has deep subject-matter expertise in particular area or proven ability to quickly and valuably deliver on a new product challenge.  

  • Author product requirements, flow documents and use cases and work across Policy, Operations, Development and Infrastructure to ensure complete solutions are architected to cover Business needs and requirements. 

  • Identify experience gaps through feedback from regional teams, Operations teammates and market research as well as deep analysis of existing product flows, contact reasons and net-promoter-scores. 

  • Recommend new processes, workarounds, and flow changes to ensure constant improvement and evolution of the Consumer experience. 

  • Participate as a member of a cross-functional team across multiple geographies to implement policy requirements. 

  • Understand initiatives from other BUs that will impact the merchant experience and make solution recommendations. 

  • Scope and prioritize activities based on business and customer impact and work with implementation teams to deliver with quick time-to-market and optimal resources. 

  • Track and drive timely resolution of open issues. 

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. 


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

Who We Are:

Click Here to learn more about our culture and community.

PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit

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

As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.



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