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Credit Risk Decision Scientist in Chennai at PayPal

Date Posted: 2/10/2020

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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.

Credit risk analyst for the International Consumer books, with responsibility for analyzing all elements of the customer lifecycle and making recommendations for optimal strategies and initiatives covering credit and fraud risk strategies.


  • Work with P&L owners and other stakeholders to analyse, propose and implement robust strategies across the lifecycle of a consumer lending product, from acquisition to customer management to collections and recoveries.
  • Measure the P&L impact of credit strategies to optimize mix of risk and revenue.
  • Provide insights so leadership on book quality and provide recommendation on risk and opportunities
  • Explore data sources internal and external to PayPal and evaluate their potential contribution to the credit underwriting process.
  • Interact with operations teams to provide input in impact of credit strategies on customer communication and collections efforts.
  • Interact with compliance and legal teams to confirm the credit strategies are compliant with applicable regulatory guideline


  • Proven experience in credit and fraud risk management is a must, along with in-depth market knowledge of credit performance, data providers, credit and behavioral scoring and industry best practices.
  • Minimum 3 years experience in credit and/or Fraud risk management and underwriting in consumer credit products (e.g. Credit cards, installment loans or other revolving credit products).
  • Strong written, oral, and interpersonal skills a must including the ability to explain / present technical business flows.
  • Experience with credit bureaus and other sources of consumer data
  • Experience with analytics and data mining tools, such as SQL, SAS, SPSS, KnowledgeSeeker
  • Proven ability to influence, work collaboratively, build and maintain relationships throughout the organization
  • Must have good judgment with the demonstrated ability to think creatively and strategically
  • Bachelors or Masters degree in a related field

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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