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About the Role

PayPal is seeking a Credit Risk Manager to join the European and Australian Buy Now Pay Later (BNPL) Risk Team. This role supports the execution of strategic BNPL partnerships with large merchants across Europe, acting as a bridge between commercial deal execution and risk management. You will design merchant-specific credit strategies based on a deep understanding of partner needs and user bases.

Responsibilities

• Lead and manage data science projects, ensuring timely delivery and alignment with business goals.
• Develop and maintain data models, algorithms, and reporting systems to support data analysis and decision-making.
• Analyze complex datasets to identify trends, patterns, and insights that drive strategic initiatives.
• Collaborate with cross-functional teams to understand data needs and provide actionable insights.
• Ensure data quality and integrity through regular audits and validation processes.
• Mentor and guide junior data scientists, fostering a culture of continuous learning and improvement.
• Influence the strategic direction of the BNPL portfolios, utilizing UK/European market expertise and analytically driven ideas.
• Design and own merchant-specific credit risk strategies, driven by deep analysis of each partner’s customer base, transaction behaviour, and risk profile.
• Work with P&L owners and stakeholders to analyse, propose, and implement robust strategies across the full BNPL customer lifecycle.
• Measure the P&L impact of credit strategies to optimise the mix of risk and revenue.
• Share insights with leadership on book quality and provide recommendations on risks and opportunities.
• Explore internal and external data sources — including credit bureau — to evaluate their contribution to the credit underwriting process.
• Work with operations, compliance, and legal teams to ensure strategies are operationally sound and meet applicable regulatory requirements.

Requirements

• Proven experience in credit risk management is a must, with in-depth knowledge of credit performance, data providers, credit and behavioural scoring, and industry best practices.
• 5+ years’ experience in credit and/or fraud risk management in consumer credit products (e.g. credit cards, instalment loans, or revolving credit); fintech background preferred.
• Strong written, oral, and interpersonal skills, including the ability to present technical findings to non-technical audiences.
• Proven ability to influence, collaborate, and build relationships across a matrixed, international organisation.

Skills

• SQL
• Python
• Tableau or similar BI tools
• Analytics and data mining tools
• Advanced Excel

Location

• Europe

Work Type

• Hybrid

Experience Level

• 5+ years relevant experience
• Minimum of 5 years of related experience with a Bachelor’s degree
• 3 years with a Master’s degree
• Equivalent work experience

Education Level

• Bachelor’s degree
• Master’s degree

Benefits

• Comprehensive, choice-based programs to support physical, emotional, and financial wellbeing
• Generous paid time off
• Healthcare coverage for you and your family
• Resources to create financial security
• Support your mental health

About 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.
• 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.
• PayPal is on a mission to revolutionize commerce globally. We’re driving our company, industry, and society forward with vision and velocity. With our commitment to excellence, innovation, and talent, the possibilities are limitless.

Equal Opportunity

• 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.