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Manager, Credit Modeling in San Jose at PayPal

Date Posted: 12/2/2018

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 254 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.

You will be part of Global Credit Modeling team which focuses on building cutting edge models for PayPal’s global credit products. We use data, technology and algorithms to drive business results and improve customer experience.

Key Responsibilities

  • Oversee credit model’s development, documentation, governance and regulatory reviews from modeling team
  • Be primary contact for model risk management, governance, legal/compliance, business units, external partners and other key stakeholders
  • Prepare responses for legal, governance, internal audit, bank charters and external regulators requests.
  • Manage and influence key stake-holders through the life cycle of credit model’s development
  • Be responsible for ongoing validation & monitoring of the models
  • Develop & implement Credit models
  • Obtain ongoing education to remain a subject matter expert in credit modeling, model risk, applicable regulations, and systems to appropriately train and educate team members as needed.


  • 8+ years prior work experience in the financial services industry with minimum of 5 years’ experience in Credit Risk Management, Credit Models Development and/or Model Risk Management.
  • 3+ years of hands-on end-to-end model development and/or validation experience required
  • Expert knowledge of internal control and risk management concepts, consumer lending industry practices and regulatory requirements.
  • Understanding of OCC 2011-12 and SR 11-7 guidance on model risk management
  • Proficient in one or more model development tools (SAS/Python/R etc.)
  • Project management experience desired
  • Must be able to communicate effectively (orally and written) with professionalism and possess solid presentation skills
  • Must possess strong analytical, organizational, and problem-solving and decision-making skills, be self-disciplined and motivated, and be able to handle pressure and stress generated by multiple tasks, deadlines, and interruptions.
  • Must be able to prioritize tasks according to importance and be detail oriented and complete work in a timely, accurate and complete manner.
  • Advanced degree such as Masters / Ph.D. in Statistics, Econometrics, Economics, Actuarial Sciences, Mathematics, Engineering or other related analytical 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.



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