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Sr Manager, Credit Portfolio Data Scientist
Sr Manager, Credit Portfolio Data ScientistPayPal • El Paso, TX, US
Sr Manager, Credit Portfolio Data Scientist

Sr Manager, Credit Portfolio Data Scientist

PayPal • El Paso, TX, US
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Capital Markets Data Scientist

PayPal's Capital Markets Data Scientist role is a Senior Manager level that offers a unique opportunity to work with global loan data encompassing diverse portfolios to deliver actionable analytics. This role supports internal teams and investors by providing sophisticated data insights and analytics for financial modeling, with a focus on Asset-Backed Securities (ABS) deals in collaboration with counterparties. This position is vital to driving data-informed decisions that facilitate PayPal's leadership in innovative financial products within global capital markets.

Essential Responsibilities :

  • Develop and articulate clear objectives and implement strategies that deliver results and meet Financial goals
  • Influence decision-making at the senior leadership level
  • Perform the most highly complex credit and lending assessments using knowledge and extensive business expertise
  • Develop and deliver innovative strategies that benefit customers and / or clients for financial success
  • Lead major business projects which impact a business unit or entire function
  • Design, evaluate, and select financial objectives based on thorough understanding of business needs and industry trends
  • Lead others to solve issues of diverse scope

Expected Qualifications :

  • Minimum of 12 years of relevant work experience and a Bachelor's degree or equivalent experience.
  • Data Scientist Responsibilities :

  • Analyze and aggregate PayPal's global loan data to provide comprehensive insights for internal stakeholders and investor reporting.
  • Deliver analytics-driven support for financial model building, including cash flow analysis, credit risk assessment, and pricing strategies.
  • Lead efforts in creating dashboards, reports, and presentation materials that communicate complex data and trends to executive leadership and investors.
  • Enhance data pipelines and infrastructure to ensure scalable, accurate, and secure handling of high-volume, complex loan-level datasets.
  • Develop, validate, and maintain robust financial and credit models used for ABS transaction structuring and portfolio monitoring.
  • Collaborate closely with ABS counterparties, investment teams, and business units to provide timely analytics for deal execution and capital markets activities.
  • Stay updated and implement industry best practices around structured finance analytics, data privacy, and regulatory compliance.
  • Liaise with many cross functional teams on everything related to capital markets workstreams.
  • Minimum Qualifications :

  • Minimum of 5 years of relevant experience, including extensive exposure to data and loan portfolio analytics
  • Bachelor's degree in Finance, Economics, Mathematics, Statistics, Data Science, or related quantitative field; advanced degree preferred
  • Preferred Qualifications :

    Education :

  • Bachelor's or Master's degree or higher in quantitative disciplines such as Mathematics, Statistics, Economics, Finance, Business Analytics, Engineering, or Data Science from accredited institutions.
  • Professional Experience & Skills :

  • 5+ years of experience in data analytics, structured finance, or credit risk management, preferably at a fintech company, investment bank, or hedge fund.
  • Proven track record working with large-scale loan data across multiple asset classes, including ABS portfolios.
  • Strong experience building and maintaining financial and credit risk models that support investment decisions and capital markets transactions.
  • Proficiency in data management and analytics tools including SQL, Python, R, Tableau, Excel, and PowerPoint.
  • Skilled in synthesizing complex datasets to derive meaningful insights with urgency and accuracy.
  • Excellent project management skills, including the ability to drive results and influence cross-functional partners.
  • Experience advising internal stakeholders and external investors with clear, compelling communication of analytical results.
  • Demonstrated leadership in team development and mentorship, fostering high productivity and continuous learning.
  • Work Permit and Relocation Prerequisites :

  • Candidates must possess valid authorization to work in the country where the position is located.
  • Relocation assistance is not provided for this role.
  • PayPal is committed to fair and equitable compensation practices.

    Actual Compensation is based on various factors including but not limited to work location, and relevant skills and experience.

    The total compensation for this practice may include an annual performance bonus (or other incentive compensation, as applicable), equity, and medical, dental, vision, and other benefits.

    The US national annual pay range for this role is $137,500 to $236,500

    PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. Any such request is a red flag and likely part of a scam. To learn more about how to identify and avoid recruitment fraud please visit PayPal's official contact page.

    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.

    At PayPal, we're committed to building an equitable and inclusive global economy. And we can't do this without our most important assetyou. That's why we offer benefits to help you thrive in every stage of life. We champion your financial, physical, and mental health by offering valuable benefits and resources to help you care for the whole you.

    We have great benefits including a flexible work environment, employee shares options, health and life insurance and more. To learn more about our benefits please visit PayPal's benefits page.

    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.

    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.

    Notice to Applicants and Employees who reside within New York City. Click here to view the notice.

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    Sr Data Scientist • El Paso, TX, US

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