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.

Primary Job Responsibilities

PayPal Credit is the simple, flexible credit line built into your PayPal account. PayPal Credit Risk Organization is responsible for managing the risk throughout the lifecycle of PayPal’s global 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.

Fraud Strategy & Analytics team owns fraud losses from PayPal’s installments, lines and partner-credit offerings for PayPal’s global consumers, proposing solutions and measuring effectiveness of solutions post-implementation.

Scope of responsibilities include

• Leading team of Fraud analysts who manage fraud strategies, flash rules, fraud policies for new consumer credit products & features

• Close partnership with Credit Fraud leads responsible for cross-functional domains such as fraud mitigation on existing credit products, fraud operations, fraud analytics, anomaly detection, loss forecasting, etc.

• Close partnership with stakeholders such as Credit Risk Strategy, Credit Policy and Model Governance, Credit Risk Platform, Fraud Operations, Synchrony Financial and other Bank partners, Global Fraud Risk/PYPL Seller Risk/PYPL Collections, Credit Platform, Credit Business Leaders, Global Data Science, Credit Finance teams to just list a few of our critical partners

Functional skills

• Proven track record as an effective leader, coach and mentor of a talented pool of analysts, who engages teams with a clear sense of purpose and enthusiasm

• Ability to analyze large amounts of data in order to make informed decisions as to the direction of risk mitigation, performance management and behavioral action

• Ability to manage a geographically distributed team (direct reports will be in both US/India at a minimum, possibly more regions depending on future product needs)

• Ability to combine technical expertise and business acumen to create business value

• Ability to collaborate and represent credit fraud needs amongst cross-functional teams working on aggressively expanding credit, greater regulatory constraints notwithstanding

• Ability to manage a very broad set of partners and stakeholders with varying degrees of comfort with fraud risk, and the unique type of fraud that impacts consumer credit products residing within a global digital wallet

Business Acumen

• Expert understanding of Credit lifecycle and leading and lagging loss performance indicators for both Credit delinquency as well as fraud/abuse MOs

• Familiarity with PayPal’s products, flows, risk infrastructure and KPIs is a significant advantage, but not a must-have

Behaviors and Communication:

• Has a compelling vision for changes and innovations. Articulates it with enthusiasm, spirit and passion.Is extremely persistent in achieving the vision

• Has strong organizational awareness.Knows other parts of the organization and understands their roles.Builds credible presence, relationships and respect with stakeholders and executive management

• Demonstrates strong partnering, influencing and negotiation skills to move the organization and programs forward

• This individual’s key performance KPIs will include Fraud Loss Performance, Fraud Decline rates, Revenue/Margin enabled, and Customer Experience.

Required Skills:

• Proficiency in SQL, statistical analysis tool: SAS / R / Python is helpful but not a must have

• Strong analytical skills: ability to build quick estimates using back-of-the-envelope analysis, structure complex analyses, pull together business cases, navigate multi-dimensional sets of tradeoffs.

• Ability to manage a large, diverse set of to-dos’ – prioritize, stay on top of multiple work streams, monitor progress

• Ability to work with senior leadership & diverse stakeholders to define project scope and direction, driving large and complex pieces of the work independently

• Strong communication skills – a sense of appropriate communication mechanism/approach to use given context/circumstances.

• Experience working with cross-functional, geographically distributed teams, managing through influence is a must-have

• Ability to contribute to strategic discussions and represent Risk/Fraud in cross-functional meetings

• Ability to mentor junior team members

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

Experience

Bachelor’s Degree or equivalent work experience. MS/MBA or PhD degree can qualify for some years of experience

10+ years’ experience in Credit/Fraud or related area

3-5 years’ experience managing and building teams

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.