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Senior Fraud Risk Analyst in San Jose at PayPal

Date Posted: 8/1/2020

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 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 Credit is the simple, flexible credit line built into your PayPal account. The PayPal Credit Risk Organization is responsible for managing the risk throughout the lifecycle of PayPal’s Credit products. This is an exciting, fast paced organization 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 manage PayPal Credit risk globally. You will work on the complex task of keeping fraudsters away from PayPal Credit. If you’re looking to make an impact at the red-hot intersection of ePayments, consumer lending and online risk management, you’re at the right place. This particular role is with the Consumer Fraud Analytics team within PayPal Credit Risk unit.

This team is part of PayPal’s Risk and Data organization and is responsible is to stay on top of recent business trend and offer insights through analytical support for PayPal’s global Consumer Credit products. This individual’s key
performance KPIs will include Loss Performance, Fraud Decline rates, Revenue/Margin enabled, and Customer
Experience. The Fraud Analytics team has ownership on portfolio management through by stay on top of recent
business trend and offer insights through analytical support for PayPal’s global Consumer Credit products .
Day to day responsibilities includes
Identifying opportunities and gaps within current portfolio of PayPal’s Fraud Risk controls, including
continuously evolving fraud trends
Based on analysis, formulating a solution to ensure optimal balance between user experience,
business enablement, operational expense and loss exposure related to proposed solution
Collaborating with external partners, including external Credit/Banking partners and Data vendors
Closely monitoring performance of existing and new solutions to ensure expectations are met
Required Skills:

  • Proficiency in SQL and Excel
  • Proficiency in at least one statistical analysis tool: SAS / R / Python
  • 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
  • Ability to manage a large, diverse set of to-do’s – prioritize, stay on top of multiple work streams,
  • monitor progress
  • Ability to work with leadership & stakeholders to define project scope and direction, driving large pieces of the work independently
  • 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
  • 5+ years of proven credit, fraud or payments risk analytics experience
  • 1+ years in a people manager role, preferably in an analytic function
  • Must be an intuitive, organized, analytical thinker, with the ability to perform detailed analysis
  • Strong written, oral, and interpersonal skills, including the ability to explain and/or present analysis
  • Must have good business judgment with demonstrated ability to think creatively and strategically
  • Aptitude and willingness to roll up the sleeves and get involved in the details

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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