Sr Data Scientist

Company Overview

Pay Pal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, Pay Pal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. We operate a global, two‑sided network that connects hundreds of millions of merchants and consumers, providing proprietary payment solutions that enable the completion of payments on our platform on behalf of customers.

Our core values—Inclusion, Innovation, Collaboration, and Wellness—guide how we conduct business every day and help us create an environment where everyone can do their best work.

This role leads the development and implementation of advanced data science models and algorithms. The Sr. Data Scientist collaborates with stakeholders to understand requirements and deliver solutions, drives best practices in data science, ensures data quality, and mentors junior scientists.

• Lead the development and implementation of advanced data science models.
• Collaborate with stakeholders to understand requirements.
• Drive best practices in data science.
• Ensure data quality and integrity in all processes.
• Mentor and guide junior data scientists.
• Stay updated with the latest trends in data science.

• 3+ years relevant experience and a bachelor’s degree, OR any equivalent combination of education and experience.

• Develop, refine, and implement credit risk strategies using advanced analytics and unit economics to guide smart, profitable lending decisions.
• Take ownership of key performance indicators (KPIs) and metrics related to credit risk for new accounts and applications.
• Monitor key portfolio metrics and segment‑level performance to identify and address emerging credit risks proactively.
• Partner cross‑functionally with teams including Machine Learning, Fraud, Compliance, Legal, Marketing, Product, Engineering, Bank Partners, and more to align risk strategies with customer and business objectives.
• Effectively communicate complex findings and strategy recommendations to both technical and non‑technical audiences.
• Lead end‑to‑end project execution with minimal assistance as a credit risk expert.
• Keep up‑to‑date with industry trends, best practices, and emerging risks related to commercial lending.

The U.S. national annual pay range for this role is $123,500 to $212,850. Total compensation may include an annual performance bonus, equity, and medical, dental, vision, and other benefits. For more information, visit

Pay Pal offers a flexible work environment, employee share options, health and life insurance, and additional benefits designed to support the physical, mental, and financial well‑being of employees. For more details, visit

Pay Pal 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, Pay Pal will provide reasonable accommodations for qualified individuals with disabilities.

REQ  R0132797