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Senior Decision Scientist in San Jose at PayPal

Date Posted: 7/20/2020

Job Snapshot

  • Employee Type:
    Full-Time
  • Location:
    San Jose
  • Job Type:
  • Experience:
    Not Specified
  • Date Posted:
    7/20/2020
  • Job ID:
    R0057870

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.

PayPal-owned Venmo was designed to be a place where friends and family can send, split and share purchases and experiences. Venmo is extending that experience to allow sellers to access the benefits of Venmo’s platform. The PayPal Seller Risk team is responsible for keeping the PayPal platform safe and secure and delivering a satisfactory experience for both the sellers and buyers. This is an exciting, fast paced team where the contribution by team members can significantly impact PayPal’s bottom line as well as our customers’ experience. We’re looking for an Analyst to join the team and help in our efforts to build Venmo seller risk strategy. You will work on the complex task of keeping fraudsters and bad actors away from Venmo’s platform. If you’re looking to make an impact at the red-hot intersection of e-Commerce, online payment and financial risk management, you’re at the right place. This particular role is with the Micro Seller team within PayPal Seller Risk unit.

Decision Scientists are on the front line of identifying and targeting fraud to keep our millions of users secure and engaged. Risk Decision Scientists apply their analytical and technical skills into researching data, monitoring and creating logics that stop fraudulent activity on PayPal and Venmo’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 and Venmo users.

Risk Decision Scientists work closely with one another, and Risk Operations in order to keep learning about current fraud. They also partner closely with PayPal and Venmo 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.

Specific responsibilities include

•          Fight fraudulent activity in one’s domain of ownership by analyzing existing loss trends through review of specific cases, research on our payments database and incorporation of feedback from operations teams.

•          Based on data-driven analysis, formulating risk solutions to ensure optimal balance between user experience, business enablement, operational expense and loss exposure related to proposed solutions

•          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 put own work in the broad business context.

•          Work with various partners within Venmo and PayPal to coordinate the execution of fraud mitigation solutions.

•          Demonstrate flexibility that is needed to succeed within a matrix organization while being proactive and comfortable with working alongside stakeholders from different domains.

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

•          Be data-driven and outcome-focused

Required Skills:

•          Proficiency in SQL and Excel

•          Proficiency in at least one statistical analysis tool: SAS / R / Python/ Hadoop

•          Strong analytical skills: ability to build quick estimates using back-of-the-envelope analysis, structure (and, if needed, execute) more complex analyses, pull together business cases, navigate multidimensional sets of tradeoffs. Above all, the job calls for comfort with data – ability to manipulate it, question its validity, interpret it, and develop recommendations based on it

•          Strong written, oral, and interpersonal skills, including the ability to explain and/or present analysis

•          Dedicated, proactive, curious and eager to learn new approaches / methodologies – a must

Desired Skills:

•          Bachelor’s degree in Mathematics, Statistics, Finance, Economics or related quantitative discipline; Masters Degree preferred

•          3+ years of experience in solving problems using data-driven approach or Master’s degree and 2+ year

•          Strong organizational skills and excellent follow-through

•          Experience with working in a technology environment

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


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.

R0057870

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