BNPL Credit Risk Manager

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 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. Pay Pal 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 Pay Pal or Venmo account balance, Pay Pal 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 Pay Pal, 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.

Data Science Manager for the UK BNPL products as part of the European and Australian Buy Now Pay Later Risk Team. The role focus is on scaling the UK BNPL products responsibly, while analyzing and identifying consumer risk trends, making recommendations for optimal credit risk strategies and the BNPL funnel. It’s a hands‑on data/analytics‑heavy role within a high‑impact credit risk organization.

• 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…