Overview
The Company
PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal 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. PayPal 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 PayPal or Venmo account balance, PayPal 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 PayPal, 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.
Job Description Summary: What you need to know about the role The role of a Data analyst is to analyze and develop PayPal’s Risk strategy for our business customers. The Small and Medium Business (SMB) portfolio is built of PayPal’s newest cutting-edge payments solutions to provide customized experiences which are developed for the company’s varied and valued customer base. Meet our team PayPal’s Small and Medium Businesses (SMB) Lifecycle Risk management team is responsible for assessing and managing a variety of buyer and seller side financial risk exposures for this portfolio, as well as developing and implementing the strategies and policies, treatments, and experiences related to the management of this exposure. The team is also responsible for partnering with the corresponding Business Units to align with and influence their strategic priorities, educate business partners about Risk management principles, and collaboratively optimize the Risk treatments and experiences for these unique products and partners. If you’re interested in working with PayPal’s most interesting payments experiences, then this is the right team for you!
Job Description:
Your way to impact
The role involves complete ownership and end-to-end management of a customer segment or a part of the portfolio that would involve management of loss and experience, with in-depth knowledge and expertise of the domain.
Your day-to-day
The responsibilities include data analysis and data backed decisions, monitoring and forecasting, designing and implementing risk strategies, working with other data scientists and technology teams on the right features, model and platform requirements, and communicating with global stakeholders and partners, for best-in-class customer experience while meeting loss targets with margin focus.
Each Data Analyst in the team has complete ownership of a segment of the portfolio or domain and is responsible for end-to-end management of loss and experience. The responsibilities include data analysis and data backed decisions, monitoring and forecasting, designing and implementing risk strategies, working with data scientists and technology teams on the right attribute, model and platform requirements, and communicating with global stakeholders and partners, for best-in-class customer experience while meeting loss targets with margin focus.
What do you need to bring
Scope of responsibility:
The employee should be self-driven. Work is generally self-directed with minimum supervision.
Work on assignments that are of intermediate complexity with multiple steps in execution, and guided by generally defined processes and project requirements
Focus primarily on completing short- and medium-term goals of a project efficiently and effectively
Job Requirements:
Strong analytical skills - ability to build quick estimates using back-of-the-envelope analysis, structure (and, if needed, execute) more complex analyses, pull together business cases and forecasts to navigate through multi-dimensional sets of tradeoffs.
Should have a vast tech-stack expertise related to data analysis, strategy design and build, monitoring
Enthusiasm for data-driven problem solving within a fast-paced environment is a must. In addition, experience with Microsoft Excel or statistical software, working knowledge of SQL or other relational database languages, and hands-on experience in data analysis involving large data sets are strongly desired.
Polished communication and influencing skills – risk decision scientists need to collaborate cross-functionally with product managers, data scientists, business owners, and customers to learn from subject-matter experts, present findings in a clear and concise manner, and reach alignment on how to execute risk strategies. Demonstrated ability to influence groups and effectively resolve conflicts is required.
An innate intellectual curiosity, and a willingness to build awareness of current payments industry and risk management best practices. PayPal is constantly innovating by introducing new products and entering new markets, so successful risk analysts on this team must quickly get up to speed on new content areas. You will be expected to become an expert in your specific domain
“Can-do” attitude, team player, energetic personality, ability to work well under pressure in a fast-paced and constantly changing environment to meet deadlines. The successful risk analyst is a self-starter who has the resilience to learn from their mistakes and reach their true potential.
Identify glitches in processes and tools and develop and execute solutions to overcome general issues and obstacles with little supervision.
Learning in-depth analysis of alternatives and applying specialized knowledge
Impact of decision has moderate reach
Seeks improvement within defined tasks. Understands, evaluates, and executes improvement ideas from supervisors
BE/ BTech degree with 2+ years of experience or master’s degree in finance / Analytic
Preferred Experience
Hands on strategy development experience in products like Consumer or SMB credit cards portfolio management, deposit risk, payment risk
Experience in supporting large global financial institutions in the US or EU; or worked for local tier one banks like HDFC or foreign banks. Or other payment processors
For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.
Our Benefits:
At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset—you. That’s why we offer benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.
We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit https://www.paypalbenefits.com
Who We Are:
To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx
Commitment to Diversity and Inclusion
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.
Belonging at PayPal:
Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal.
Any general requests for consideration of your skills, please Join our Talent Community.
We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.
- 4 - 7 Yrs
- Pune
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India
- Bangalore, Karnataka, India