Sr Data Scientist

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 Summary:

This job will lead the development and implementation of advanced data science models and algorithms. You will work with stakeholders to understand requirements and deliver solutions. Your role involves driving best practices in data science, ensuring data quality, and mentoring junior scientists.

Job Description:

PayPal, Inc. seeks Sr Data Scientist in San Jose, CA

Job Duties: Develop, optimize, and execute data-driven strategies to identify, analyze, and manage payment disputes and chargebacks. Leverage large datasets to improve dispute resolution outcomes, minimize financial losses, and support operational effectiveness. Work cross-functionally with fraud prevention, customer service, and compliance teams to design actionable insights and scalable solutions to address the root causes of disputes and improve both customer satisfaction and operational efficiency. Analyze large volumes of transaction, dispute, and chargeback data to identify trends, root causes, and fraud patterns. Develop and optimize dispute strategies for PayPal, leveraging knowledge of U.S. or international financial markets, card networks, and customer spending behavior. Create business cases in support of new risk policies, vendor integrations, and PayPal dispute infrastructure enhancements. Develop post-transaction risk requirements for product initiatives and prioritize said requirements with partner teams. Collaborate with other PayPal business and technology groups to ensure the optimal deployment of payment solutions to satisfy customer needs and corporate objectives. Monitor regulatory trends and card network requirements related to disputes and chargebacks, and ensure compliance through ongoing analysis and reporting. Partial telecommuting permitted from within a commutable distance.

Additional Responsibilities & Preferred Qualifications:

Minimum Requirements: Master’s degree, or foreign equivalent, in Data Science, Statistics, Business Analytics, or a closely related field, plus three years of experience in the job offered or a related occupation. Employer will accept a bachelor’s degree, or foreign equivalent, in Data Science, Statistics, Business Analytics, or a closely related field, plus five years of experience in the job offered or a related occupation.

Special Skill Requirements:

Experience with Python and SQL for data analysis, automation, and pipeline development (3 years);

Experience with Machine Learning models for predictive analytics (2 years);

Experience collaborating cross-functionally with fraud prevention, compliance, and partner teams to develop risk strategies, analytics dashboards, and post-transaction risk requirements for product initiatives (3 years);

Experience with PL/SQL for developing procedures targeting high-risk transaction identification and risk mitigation (2 years);

Experience with large-scale transaction data analysis to identify emerging fraud patterns and support chargeback/dispute resolution (2 years);

Experience with Fraud and Risk Management, including transaction monitoring, pattern analysis, and risk strategy development (3 years);

Experience with ETL processes, data cleaning, and data transformation for large-scale datasets (3 years);

Experience with U.S. financial market regulations and resolution frameworks (2 years);

Experience with network compliance requirements and card scheme regulations, including Visa and Mastercard operating rules (3 years);

Experience with data visualization platforms (2 years).

EOE, including disability/vets.

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:

San Jose, CA | Salary: $190,112.00-300,500.00 per annum. 40 hours per week; M-F, 9:00 a.m. to 5:00 p.m.

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

Must be legally authorized to work in the U.S. without sponsorship.

Subsidiary:

PayPal

Travel Percent:

0

PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes. Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately. To learn more about how to identify and avoid recruitment fraud please visit https://careers.pypl.com/contact-us.

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 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 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.