Sr. Analyst Risk Management in San Jose at PayPal

Date Posted: 12/4/2019

Job Snapshot

  • Employee Type:
  • Location:
    San Jose
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
  • Job ID:

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 286 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.

The Global Debit Card Risk Strategy team is responsible for managing end-to-end risk policy for PayPal’s debit card products: PayPal Cash Mastercard and PayPal Business Debit Mastercard. The team is seeking a professional with U.S. or international payments experience to help the team mitigate card fraud losses.

The primary responsibility of the Data Scientist, Debit Card Risk Strategy is to help reduce Debit Card losses by developing and optimizing risk strategies throughout the customer lifecycle. A large part of the role is driving business strategy recommendations through data analytics on Card authorization and PayPal customer data.

The role will be cross-functional in scope and will focus on developing innovative card risk solutions while collaborating with key stakeholders in core payments, operations, risk, finance, and product owners.

The individual will:

  • Develop and optimize risk strategies for PayPal, leveraging knowledge of U.S. or international financial markets, card networks and customer spending behavior.
  • Manage a portfolio of relationships to ensure that payment solutions meet financial and timeline objectives; Creatively leverage partnerships to further PayPal’s strategic business objectives.
  • Develop business cases in support of new risk policies, risk vendor integrations, and PayPal risk infrastructure enhancements.
  • Consult/partner with other PayPal business and technology groups to assure the optimal deployment of payment solutions to satisfy customer needs and corporate objectives. 
  • Work with International team members to exchange and implement best practices across PayPal’s existing footprint.

Job Requirements

(Knowledge, skills, abilities, experience required to perform job)

Preferred Experience/Skills:

  • 2-5 years of experience in payments at an issuer, network, processor, or consultancy.  Preference for card network experience.          
  • BA/BS from a four-year college or university.  MBA a plus. 
  • Proven track record of driving results in a fast-paced and constantly changing environment
  • Good understanding of the applicable laws and regulations that can influence risk and fraud management policy
  • Knowledge and understanding of payment systems, bank credit/fraud policies, structures and operations in relation to card programs 
  • Energetic, creative and able to deliver innovative solutions.
  • Must handle multiple priorities with a strong attention to detail and should possess strong analytic and problem solving skills.
  • Excellent written, verbal, and presentation skills.
  • Demonstrated ability to establish strategic vision and drive change to achieve business objectives
  • Strong interpersonal skills and ability to build relationships and influence at all levels of management
  • Experience working externally with third parties who support mission critical processes and deliverables
  • Thorough knowledge of product segmentations, credit/fraud loss activities and key business drivers
  • Hands on experience with portfolio performance monitoring and diagnostics
  • SQL / SAS / Hadoop a plus to query ad-hoc risk performance data.

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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