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Sr Data Scientist in San Jose, California, United States of America at PayPal

Date Posted: 12/22/2021

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.

We are hiring a Data Scientist to help develop PayPal’s Risk strategy within the Identity Risk Lifecycle team. This team is responsible for (1) understanding the people behind our accounts, (2) connecting real world assets to these identities to develop trust and (3) using both sets of data to limit fraud scalability and enable good payment volume. Data Scientists on this team are responsible for developing and implementing new risk strategies to ‘challenge’ users to enable good and prevent bad payment volume. Key to this is understanding the funnel so that we can identify friction points and opportunities to improve Good User Pass Rates, including implementing and monitoring existing strategies, developing new strategies to prevent loss, partnering with Product and other Data Science teams to develop new attributes, models, and product requirements to ensure we deliver the best possible customer experience while meeting loss and revenue targets. Furthermore, Data Scientists will partner with teams from across the global to identify, coordinate and react quickly to prevent new and emerging fraud trends, thus preventing losses. If you’re interested in working within the Identify Risk Lifecycle team to solve these emerging, interesting, and complex challenges, then please apply!

Job Description: 

Data Scientists are on the front line of identifying and targeting fraud to keep our millions of users secure and engaged. Risk Data Scientists apply their analytical and technical skills into researching data, monitoring, and creating logics that stop fraudulent activity on PayPal’s platform. They analyze existing loss trends and define logics, solutions and operational processes that prevent them - while delivering best-in-class customer experience for PayPal users. 

Risk Data Scientists work closely with one another to align on fraud-prevention methodologies and tools, with Risk Operations, Data Science, InfoSec and with Customer Support, in order to keep learning about current fraud. They also partner closely with the Product teams to define features and integrate risk prevention tools to support business goals.     

Our team members are excited about solving analytical problems. They are bright, they are responsible, and they know how to follow through. If you’re also like that, we’d love to hear from you. 

Job Requirements: 

  • Developing expertise in specific areas by leading analytical projects independently, while setting goals, providing benefit estimations, defining workflows and coordinating timelines in advance. 

  • Enthusiasm for data-driven problem solving within a fast-paced environment is a must. In addition, experience with Microsoft Excel or statistical software, proficiency in SQL or other relational database languages, is a hard requirement. 

  • Fight fraudulent activity by analyzing existing loss trends through review of specific cases, research on our payments database and incorporation of feedback from other teams.  

  • Produce accurate, automated risk solutions to block fraudulent activities through various actions. 

  • Work closely with product teams on development of new products to identify potential gaps that might create loss, and define requirements to mitigate those risks.   

  • Have a good understanding of general business trends and directions to be able to relate work in the broader business context. 

  • Partner with teams from across the global to identify and react quickly to prevent new and emerging fraud trends, thus preventing losses  

  • Develop controls and monitoring dashboards to ensure performance against business goal, regulatory requirements and business priorities. 



  • BS/BA degree with 5+ years of experience or master’s degree with 3+ years of experience. 

  • Strong analytical and reporting skills (SQL experience is a requirement) 

  • High proficiency in fundamental SQL. Other technical skills are a plus (Java/C/C++; Perl/Python; strong UNIX background; Hadoop; R ) 

  • Strong organizational skills and excellent follow-through  

  • Outstanding written, verbal and interpersonal communication skills 

  • High emotional intelligence, a can-do mentality and a creative approach to problem solving 

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



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