PayPal
Sr Data Scientist, BNPL Credit Risk Oversight
$130K–$194K
Chicago, Illinois, United States of America +1 · Senior · Full-time · Posted Oct 20, 2026
- Location
- Chicago, Illinois, United States of America
Austin, Texas, United States of America - Experience
- 3+ years relevant experience and a Bachelor’s degree, or any equivalent combination of education and experience. 3+ years of credit risk management/lending experience is preferred.
- Education
- Bachelor’s degree, or equivalent combination of education and experience; an advanced degree in a quantitative field is preferred.
About the job
Provides independent Second Line oversight of PayPal’s Buy Now Pay Later underwriting and account management, using credit-risk analysis and data science to assess portfolio performance, strategy, and controls.
What you'll do
- Develop and implement data science models and algorithms; maintain data quality and integrity.
- Analyze BNPL credit strategies, risk controls, and portfolio alignment with strategic goals and risk appetite, and provide effective independent challenge.
- Collaborate with stakeholders, promote data science best practices, and mentor junior data scientists.
What they ask for
- Strong analytical skills, including identifying patterns, deriving and visualizing business insights, and communicating findings.
- Ability to review credit strategies and exposure limits against risk appetite and changes in business or regulatory conditions.
- Excellent communication, collaboration, critical-thinking, influencing, and relationship-building skills.
- Ability to work with geographically dispersed teams across time zones.
Nice to have
- Advanced degree in a quantitative field such as statistics, mathematics, or engineering; experience with merchant or small business lending; understanding of Second Line of Defense functions.
- Experience in credit risk management or lending, including credit risk fundamentals; proficiency with Python, SQL, or other statistical analysis tools.
Pay
USD 130,500.00 - 193,600.00 annually (base salary) for Chicago, Illinois; USD 130,500.00 - 193,600.00 annually (base salary) for Austin, Texas
Tools
Python, SQL
Model-written summary · the original posting is authoritative