The Company
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.

Job Summary: We are seeking a Senior Manager to lead our external data strategy team focused on global credit markets across all global consumer and merchant lending products. This leader will work closely with teams across credit risk, as well as our broader risk organization and credit focused business teams, to drive strategy for which external data sources are used across products and geographies. Your team will drive identifying, evaluating, onboarding, and optimizing external data sources working collaboratively with partner teams

Job Description:

Essential Responsibilities:

• Lead complex data science projects, ensuring they meet business objectives and deliver actionable insights.
• Develop advanced data models and algorithms to analyze large datasets and solve complex business problems.
• Collaborate with senior leadership to identify data-driven opportunities for business growth and efficiency.
• Implement best practices for data management, analysis, and visualization.
• Ensure data governance and compliance with relevant regulations and standards.
• Provide mentorship and technical guidance to the data science team.

Expected Qualifications:

• 8+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.
• Experience leading others

Additional Responsibilities & Preferred Qualifications: New Data Sources

• Identify, evaluate, and onboard new data sources to enhance risk controls, drive marketing, and enhance profitability for existing credit products and to support risk controls for other Pay Pal products.
• Identify, evaluate, and onboard data sources for new credit product launches, including in new countries across the globe.
• Rapidly evaluate the potential of external data in predictive modeling and decisioning, including using AI/ML techniques.

Credit Bureau Strategy:

• Define and execute the strategy for credit bureau data usage across credit and risk domains across the globe, based on product, market, regulatory, and commercial considerations.
• Drive commercial strategy and negotiations with credit bureaus from a Pay Pal-wide perspective.

Leadership & Stakeholder Management:

• Build, lead, and develop a small high-performing team.

• Collaborate cross-functionally with Credit Risk, Fraud Risk, Machine Learning, Artificial Intelligence, Vendor Management, Data Platform, Data Operations, Legal, and Compliance teams.

• Lead strategic partnerships and contract negotiations with external data vendors.

• Skills Required

• Track record of building and managing a high-performing team and fostering a culture of innovation, accountability, and focus on the customer.

• Strategic thinker with a deep understanding of how data can be leveraged to manage credit risk (understanding of fraud risk and marketing for lending products strong bonuses).

• Experience working with credit bureau and alternative data sources, with a track record of deploying these assets to drive business impact in lending or credit risk functions.

• Experience working in a highly matrixed environment and successfully collaborating with multiple partner teams to deliver meaningful impact.

• Working knowledge of how AI/ML techniques can enhance data value and ability to collaborate closely with machine learning and AI teams.

• Understanding of relevant regulatory environments (e.g., FCRA, ECOA, GLBA, GDPR), especially as they apply to data sourcing and usage.

• Trusted relationship builder with external data providers and internal stakeholders, including managing sensitive negotiations and long-term partnerships.

Subsidiary: Pay Pal

Travel Percent: 0

The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is:

Primary Location | Pay Range: Chicago, Illinois | ($178,500.00 - $265,100.00 Annually)

Additional Location(s) | Pay Range: San Jose, California | ($196,500.00 - $291,500.00 Annually)
Austin, Texas | ($178,500.00 - $265,100.00 Annually)

Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable.

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact-us.

For the majority of employees, Pay Pal'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 Pay Pal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations.

Our Benefits: At Pay Pal, 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 comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health.

Who We Are: Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion:

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.  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 Pay Pal: 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 Pay Pal 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 Pay Pal.

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.