Risk Manager - Decision Science in Chennai at PayPal

Date Posted: 1/6/2020

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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.

PayPal Credit is looking to fill a critical leadership role on our Credit Risk Analytics team. This role will support and guide analytic efforts that help inform and drive strategic decisions as our suite of Credit products expands globally. This versatile role frequently engages with Credit Leadership, Risk, Marketing, Finance, and Collections to understand the most challenging business problems we need to solve and provide answers to the “big questions” through a combination of routine reporting, KPI monitoring, ad-hoc analytics, and data storytelling. Using a combination of leadership, business acumen, a data driven mindset, and technical skills you will lead deep dive analytic efforts where collaboration and the ability to influence others are essential. As a Manager, you will lead, guide, mentor, and develop a team of talented analysts, and BI developers to deliver analytic solutions that help us monitor the growth and health of our Credit portfolio. While your primary role is to lead the efforts of others, you must be comfortable with being both player (at times) and coach. When required, you must possess the ability and willingness to “roll up your sleeves” to help perform analytical deep dives to identify problems, opportunities, and outline specific action plans.

As a Manager and Senior Analytics professional, you will:

  • Collaborate with all aspects of the PayPal Credit business including a broad range of partners to plan and deliver fully developed solutions for Credit/Risk analytics and reporting
  • Lead the planning, development, and delivery of analytic and reporting projects from start to finish; includes all stages of project identification, stakeholder engagement, project management, and closeout
  • Frequently manage analytic projects ranging from small, single stream initiatives to large-scale multi-stream efforts in a complex, fast-paced, dynamic environment.
  • Develop connections between business problems throughout the Credit Risk domain and deliver analytic solutions to meet the most pressing demands
  • Communicate complicated analytic results in brief, concise, and brilliant formats best suited to senior audiences
  • Collaborate with our Global Data Service (GDS) partners to create simple, trustworthy data pipelines and build automated reporting, monitoring, and alerting to surface key insights.
  • Lead an Analytics team that leverages a combination of tools and technologies used across the enterprise (e.g. SQL, Qlik, SAS, R Python, Hadoop, Tableau, etc.…) to provide actionable insights and routine performance monitoring
  • Develop and maintain a suite of “best-in-class” interactive dashboards & automated reporting solutions supporting our senior Credit & Risk executives

As an Analytics thought leader, you will:

  • Recommend new performance monitoring metrics and/or propose changes to existing metric frameworks ensuring what we measure stays relevant for our evolving Credit business
  • Influence best practices and remain informed with new/emerging concepts
  • Work with leadership to maintain an active roadmap of analytic projects and help guide the evolution and maturation of our Risk BI/Analytics solutions framework

Essential Skills:

  • Solid technical / data-mining skills and ability to work with large volumes of data; extract and manipulate large datasets using common tools such as SQL, SAS, Hadoop, or other programming/scripting languages (Python, Perl, R, etc.) to translate data into business decisions/results
  • Familiarity with data engineering, data management, data modelling, standard ETL techniques including extract, de-duping, cleansing, integration, and aggregation
  • Experience with reporting tools and applications, along with quantitative/analytical experience that includes methodology development, statistical modeling, programming (SQL, SAS, R, MATLAB), and/or data visualization (QlikView, Qlik Sense, and Tableau)
  • Strong project management skills with high attention to detail on data and a strong focus on meeting deliverables with time limitations - must have ability to multitask and prioritize
  • Must have good business judgment with demonstrated ability to think creatively and strategically
  • Must be an intuitive, organized analytical thinker, with the ability to lead teams performing detailed analysis
  • Takes personal ownership; Self-starter; Ability to drive projects with minimal guidance and focus on high impact work
  • Ability to establish and maintain strong relationships with key business partners and stakeholders and facilitate communications between the business users and the delivery team.
  • Work with non-technical business users to understand their analytical needs, document and prioritize requirements, and help them effectively use the data and analytical tools that the team has developed.
  • Provides consultation and technical advice on analytics projects to ensure results meet defined client expectations and adhere to internal standards and strategies.
  • Ability to conceptualize, design, and monitor portfolio performance and other predictive analytics in support of underwriting strategy changes and monitoring of delinquency and losses related to PayPal’s credit products
  • Ability to communicate concise and actionable business results and proposed strategies from vast amounts of data to senior management
  • Possess excellent written and oral communication skills, and can interact with and influence decision-making by non-analytical business audiences
  • Ability to organize, prioritize work, meet deadlines and work independently
  • Learns continuously; Seeks out knowledge, ideas and feedback
  • Looks for opportunities to build owns skills, knowledge and expertise
  • Comfortable with ambiguity and frequent context-switching in a fast-paced environment


  • 10+ years of experience in a consumer credit or small business lending related position
  • 3+ years of experience leading and managing teams of 3+ or more in the BI/Analytics field including experience with high data volume environments
  • Proven experience in the ideation, research, discovery, development, implementation, and ongoing monitoring of quantitative solutions for consumer credit or small business credit.
  • Experience with Advanced Analytics and Data Science is highly preferred
  • Prior work experience in management consulting or BI/Analytics consulting is highly valued
  • Prior Project and Program management experience specifically on Analytics projects is highly valued


Bachelor's Degree required; Master's degree preferred with emphasis on coursework in a quantitative discipline (e.g. Statistics, Computer Science, Engineering, Mathematics, Data Sciences, Operations Research, Financial Engineering, Systems Analysis, Finance)

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 paypalglobaltalentacquisition@paypal.com.



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