Job Description

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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.

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Your Way to Impact:

You will be the Data Scientist in the Fraud Risk team, leading new projects to build and improve risk strategies that prevent fraudleveraging both PayPals proprietary Risk tooling and custom AI/ML models. In this role, youll partner with the corresponding Business Units to align with and influence their strategic priorities, educate business partners about risk-management principles, and collaboratively optimize risk treatments and customer experiences for these targeted products and partnerships.

Day-to-Day Responsibilities:

In your day to day, you will:

• Take full responsibility for a merchant portfolios fraud and loss metrics, ensuring end-to-end management of decline and loss rates.
• Work closely with cross-functional teams to develop fraud-prevention strategies, identify loss-savings opportunities, and optimize transaction declines without increasing customer friction.
• Deliver risk analytics on frustration trends and key performance indicators, set up alerts for fraud events, and monitor real-time dashboards to detect anomalies.
• Help adapt PayPals advanced proprietary fraud-prevention toolscombining them with custom data and AI/ML techniquesto enable continued business growth.
• Provide clear, data-driven requirements to Data Science and Technology teams for attribute engineering, model specifications, and platform improvements, while keeping global stakeholders informed of performance and next steps.

What Youll Bring:

• 24 years working with large-scale, complex datasetsideally within fraud-risk, financial services, or a similarly regulated environment.
• Strong ability to decompose business requirements into a structured analytic plan, execute that plan end-to-end, and derive actionable insights.
• Excellent verbal and written skills, equally comfortable discussing technical details with engineers and high-level risk strategies with business leaders.
• A desire to build new solutions, invent novel approaches to big, ambiguous challenges, and iterate quickly as new fraud trends emerge
• Solid working knowledge of Excel, SQL, and Python or R for data wrangling, exploration, and analysis.
• Expertise in exploratory data analysis and preparing clean, structured datasets for model development.
• Hands-on experience applying AI/ML techniquesboth supervised (regression, classification, decision trees) and unsupervised (clustering, anomaly detection)for business decisioning.
• Familiarity with model evaluation metrics (Precision, Recall, ROC-AUC) and basic statistical concepts.

, What You Need to Know About the Role Each Data Scientist on this team has full ownership of a portfolio of merchants and is responsible for end-to-end management of loss and decline rates. Day-to-day duties include data analysis, monitoring and forecasting, creating and implementing risk rules and strategies, providing requirements to data scientists and technology teams on attribute, model, and platform needs, and communicating with global stakeholders to ensure the best possible customer experience while meeting loss-rate targets. Meet Our Team PayPals Global Fraud Protection team partners with global business units to manage a variety of risksincluding identity fraud, account takeover, stolen-financial fraud, and credit issueswhile contributing directly to PayPals bottom-line savings, ensuring safe and secure global growth, and delivering an outstanding customer experience. This opportunity is within the Large Merchant and Markets Fraud Risk team, which covers PayPals newest, leading-edge payments solutions (Risk-as-Service, Fastlane, PayPal Complete Payments, etc.) as well as customized experiences for our highest-priority strategic markets and partnerships. This will be a Dublin based role, as such you will have the requisite right-to-work in Ireland, and no relocation costs can be supported.

Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Engineering and Information Technology

• Industries

  Software Development, Financial Services, and Technology, Information and Internet

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Job Tags

Full time, Summer work, 16 hours, Relocation package,

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