Please note that this site has updated features that do not run on older versions of Internet Explorer. For an optimal experience, please use another browser or the most recent version of IE.

Credit Risk Decision Scientist in Timonium at PayPal

Date Posted: 5/27/2020

Job Snapshot

  • Employee Type:
  • Location:
  • 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 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.

BFS Credit Risk Strategic Statement: • To 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. • 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. Design strategies to maximize risk adjusted returns and minimize expenses.

  • Responsible for building data driven strategies to identify the potential for credit abuse, intentional misuse of credit, and potential fraud as part of the underwriting process for PayPal Business Loan
  • Responsible for the ownership of models used to identify intentional misuse of credit.  Model Owners are accountable for:
    • Implementing and maintaining model development procedures to ensure models are compliant with the Policy
    • Owning the model risk associated the business strategy.
    • Ensuring their models are properly developed, implemented and used
    • Ensuring their models in use have undergone appropriate validation and approval processes
    • Ensuring the appropriate ongoing monitoring and tracking is completed for their models.
    • Ensuring vendor models are assigned to a Model Developer and comply with Policy requirements
  • Responsible for the ownership of strategies used to mitigate intentional misuse of credit risk.  Strategy Owners are accountable for:
    • Analyze and optimize the credit decision processes
    • Explore new data solutions to optimize model and strategy development
    • Access data, transform data into information, and convert information into actionable decision strategies
    • Contribute to the development of policies and procedure
    • Work closely with credit and fraud operations to align strategy, policy, and procedures between automated decisions and manual decisions
    • Communicates business trends, creates financial assessments, and interprets analytics for senior management
    • Creates business partnerships across the enterprise and demonstrates an aptitude of assessing financial performance and interpreting analytics
    • Influences strategic direction and develops tactical plans.


  • 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



  1. Underwriter Jobs
  2. Credit Analyst Jobs