Credit Risk Data Science Manager

Description Essential Responsibilities

• Lead and manage data science projects, ensuring timely delivery and alignment with business goals.
• Develop and maintain data models, algorithms, and reporting systems to support data analysis and decision‑making.
• Analyze complex datasets to identify trends, patterns, and insights that drive strategic initiatives.
• Collaborate with cross‑functional teams to understand data needs and provide actionable insights.
• Ensure data quality and integrity through regular audits and validation processes.
• Mentor and guide junior data scientists, fostering a culture of continuous learning and improvement.

• 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

• Influence the strategic direction of the BNPL portfolios, utilizing UK market expertise and analytically driven ideas.
• Work with P&L owners and other stakeholders to analyze, propose and implement robust strategies across the lifecycle of Buy Now Pay Later.
• Measure the P&L impact of credit strategies to optimize mix of risk and revenue.
• Share insights with leadership on book quality and provide recommendation on risks and opportunities.
• Explore data sources internal and external to Pay Pal and evaluate their potential contribution to the credit underwriting process.
• Interact with operations teams to provide input in impact of credit strategies on customer communication and collections efforts.
• Interact with compliance and legal teams to confirm the credit strategies are compliant with applicable regulatory guidelines.

• Proven experience in credit risk management is a must, along with in‑depth market knowledge of credit performance, data providers, credit and behavioural scoring and industry best practices.
• 5+ years’ experience in credit and/or Fraud risk management and underwriting in consumer credit products (e.g. Credit cards, instalment loans or other revolving credit products), preferably with a fintech background.
• Strong written, oral, and interpersonal skills a must including the ability to explain / present technical business flows.
• Experience with credit bureaus and other sources of consumer data.

• Typically requires a minimum of 5 years of related experience with a Bachelor’s degree; or 3 years and a Master’s degree; or a PhD without experience; or equivalent work experience.
• Experience with analytics and data mining tools, such as SQL, Python, Advanced Excel, Tableau.
• Proven ability to influence, work collaboratively, build and maintain relationships throughout the organization.
• Must have good judgment with the demonstrated ability to think creatively and strategically.

Pay Pal

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