Title: Sr Data Scientist Location: Chicago United States Job Description: 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: Job Description: PayPal, Inc. seeks Sr Data Scientist in Chicago, IL Job Duties: Develop and implement credit risk strategies for various products, including PayPal and Venmo credit card programs. Ensure strategies are reviewed and approved within the approved governance committee structures. Develop and automate tracking functionality that monitors volume and strategy performance. Test new data sources to enhance credit risk decisions. Provide PayPal and Venmo Card program insights via monitoring and reporting leveraging internal/external data. Employ mathematical, statistical and data mining methods to make sound decisions that balance risk and reward, user experience and financial performance. Perform operational monitoring to ensure that the strategy executions align perfectly with intents. Conduct ongoing performance reviews with senior leadership team. Partial telecommuting permitted from within a commutable distance. Minimum Requirements: Master's degree, or foreign equivalent, in Data Science, Business Analytics or a closely related field plus four years of experience in the job offered or a related occupation. Special Skill Requirements: 1. Credit risk management / analytics in consumer lending space (4 years) 2. Predictive analytics and segmentation in consumer lending credit risk area (classification models, regression models, and statistical analysis) (4 years) 3. Experimental design (A/B testing) in consumer lending credit risk area (3 years) 4. Machine learning (model development/deployment; optimization including parameter tuning, dimension reduction, feature selection, and model validation) in consumer lending credit risk area (4 years) 5. Profit & Loss (P&L) analytics in the consumer lending area (3 years) 6. Credit bureau analytics (4 years) 7. Python (pandas, numpy, and sklearn packages) (4 years) 8. SQL tools: Google Big Query and Teradata (4 years) 9. Data visualization / Business Intelligence tools (Tableau, Amplitude, and Q-monitor) (4 years) 10. Database management: Big data and cloud (Hadoop, Hive, Stampy, Teradata, and Google Big Query) (4 years) 11. Forecasting techniques/algorithms and automation with Python (4 years) Additional Responsibilities & Preferred Qualifications: 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: Chicago, IL | $142,210.00-221,500.00 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 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.