Data Scientist - Payments Risk Management & Data Analytics

PayPal • San Jose, CA

1d • $100,500 - $173,250 • Hybrid

About The Position

PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers. We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade. Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities. Job Summary: This job will develop and implement data science models and algorithms to support business needs. You will work with stakeholders to understand data requirements and deliver solutions. Your role involves ensuring data quality, optimizing data processes, and collaborating with cross-functional teams.

Requirements

• 1+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
• Foundational experience in data analysis and risk monitoring.
• Strong attention to detail and ownership of deliverables.
• Ability to work collaboratively in a cross-functional environment.
• Eagerness to learn payments risk frameworks and governance processes.
• Ability to simplify analytical findings into clear narratives with appropriate guidance.

Nice To Haves

• Experience analyzing large datasets (payments or fintech experience preferred but not required).
• Working proficiency in SQL and familiarity with Python and BI tools (Tableau, Power BI, etc.).
• Strong analytical and problem-solving skills.
• Ability to communicate findings clearly in written and verbal formats.

Responsibilities

• Develop and implement data science models and algorithms.
• Analyze and interpret complex data sets.
• Ensure data quality and integrity.
• Collaborate with stakeholders to understand data requirements.
• Optimize data processes for efficiency and performance.
• Perform advanced statistical analysis and reporting.
• Develop dashboards and data visualizations to monitor payments risk trends.
• Support development and maintenance of KRIs and KPIs using transactional data.
• Analyze data to identify anomalies and assist in surfacing potential emerging risks.
• Prepare summaries and reporting materials for senior stakeholders and risk committees.
• Support impact assessments, analytical deep-dives, and regulatory or scheme-driven requests.
• Assist in monitoring payments risks across the payments lifecycle.
• Partner with first-line teams to support tracking of remediation actions.
• Contribute to risk governance activities, including reporting and documentation.
• Collaborate with cross-functional partners to ensure data accuracy and reporting consistency.
• Translate analytical findings into clear, structured insights with guidance from senior team members.

Benefits

• At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset-you. That’s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 5,001-10,000 employees