PayPal

Senior Data Scientist, Credit Modeling

Remote

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Technology, Credit Risk, Data ScienceIndustries

Position Overview

  • Location Type: Not Specified
  • Employment Type: Not Specified
  • Salary: Not Specified

PayPay is a FinTech company with over 65 million users (as of August 2024) since its launch in 2018. The company has a diverse team of members from over 50 countries. Their vision is "Unlimited," encouraging risk-taking and innovation. They are seeking individuals who can rapidly develop and improve products, promoting PayPay with professionalism and passion.

Job Description

We are seeking a leader to develop novel machine learning software systems for credit modeling and default risk prediction, deploy these systems to production, and rigorously test them to meet user and merchant needs. This role involves ETL to build model features using petabyte-scale datasets and developing high-throughput, low-latency systems for serving models in production, impacting more than 65 million customers daily. Collaboration with innovative engineering teams is crucial to integrating machine learning functionalities into in-house built systems. The ideal candidate is passionate, takes ownership, and loves building great things, with significant trust and responsibility placed upon them.

Responsibilities

  • Drive a roadmap applying Machine Learning technologies to areas such as content discovery, engagement, recommendation, prediction, and risk underwriting.
  • Work with the leadership team to identify opportunities for utilizing ML and drive solutioning within the Credit domain.
  • Collaborate with stakeholders to demonstrate the benefits of using ML systems and drive product adoption.
  • Design scalable and deployable machine learning solutions.
  • Define performance and validation metrics and coach the team to achieve these goals.
  • Introduce and own the process of model building and the infrastructure supporting it.

Qualifications

  • 8+ years of software engineering experience with a proven track record of successfully architecting and deploying ML systems to production.
  • Experience designing and building multiple complex, scalable, high-throughput, low-latency streaming/batch processing machine learning pipelines for both data flows and algorithm execution.
  • Ability to explain and present analyses and machine learning concepts to a broad technical audience.
  • Extreme bias towards action.

Application Instructions

  • Not Specified

Company Information

PayPay is a FinTech company that has grown to over 65M (as of August 2024) users since its launch in 2018. Our team is hugely diverse with members from over 50 different countries.

OUR VISION IS UNLIMITED_

We dare to believe that we do not need a clear vision to create a future beyond our imagination. PayPay will always stay true to our roots and realize a vision (future) that no one else can imagine by constantly taking risks and challenging ourselves. With this mindset, you will be presented with new and exciting opportunities on a daily basis and have the opportunity to grow and reach new dimensions that you could never have imagined. We are looking for people who can embrace this challenge, refresh the product at breakneck speed and promote PayPay with professionalism and passion.

Please note that you cannot apply or be selected in parallel with PayPay Corporation, PayPay Card Corporation and PayPay Securities Corporation.

Skills

Machine Learning
Credit Modeling
Risk Prediction
ETL
Model Deployment
High-Throughput Systems
Low-Latency Systems
Data Engineering
Model Validation
Performance Metrics
Stakeholder Collaboration

PayPal

Digital payments platform for various clients

About PayPal

PayPal offers a digital payments platform that allows users to conduct online transactions, mobile payments, and peer-to-peer transfers. It generates revenue primarily through transaction fees charged to merchants and provides various services for individual consumers, small to medium-sized businesses, and large enterprises. PayPal distinguishes itself from competitors by offering a wide range of secure financial services tailored to different client needs. The company's goal is to create a convenient and secure digital payments experience for all users.

San Jose, CaliforniaHeadquarters
1998Year Founded
$188.7MTotal Funding
IPOCompany Stage
Fintech, Financial ServicesIndustries
10,001+Employees

Benefits

A Stanford Navigator helps employees research providers and health conditions, and make informed decisions about health care
Advance Medical is available for all employees who are looking for a world-class specialist to provide an expert medical opinion for treatment plans
Stock Purchase Plans
Retirement Savings and Pension Plans
Stock Awards
Life Insurance and Disability Benefits
Paid Time Off
Four Weeks Paid Sabbatical for every Five Years of Service
Educational and Professional Development benefits
Matching Gifts & Volunteerism Opportunities
Matching Gifts
Skills-Based Volunteering
Green Teams
GIVE Teams

Risks

Lawsuits over Honey's practices could damage PayPal's reputation.
Allegations of racial discrimination may lead to legal challenges.
Stablecoin expansion may expose PayPal to regulatory scrutiny.

Differentiation

PayPal Ventures accelerates market entry for innovative financial solutions.
PayPal offers a versatile platform for diverse clients, from individuals to large enterprises.
PayPal's revenue model includes transaction fees, currency conversion, and financial services.

Upsides

Increased stablecoin adoption enhances PayPal's digital payment capabilities.
Growing DeFi interest boosts PayPal's integration with blockchain systems.
New 'Money Pooling' feature taps into the expanding split payments market.

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