Sr Data Scientist

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: This job will lead the development and implementation of advanced data science models and algorithms. You will work with stakeholders to understand requirements and deliver solutions. Your role involves driving best practices in data science, ensuring data quality, and mentoring junior scientists. Job Description: PayPal, Inc. seeks Sr Data Scientist in San Jose, CA Job Duties: Develop, optimize, and execute data-driven strategies to identify, analyze, and manage payment disputes and chargebacks. Leverage large datasets to improve dispute resolution outcomes, minimize financial losses, and support operational effectiveness. Work cross-functionally with fraud prevention, customer service, and compliance teams to design actionable insights and scalable solutions to address the root causes of disputes and improve both customer satisfaction and operational efficiency. Analyze large volumes of transaction, dispute, and chargeback data to identify trends, root causes, and fraud patterns. Develop and optimize dispute strategies for PayPal, leveraging knowledge of U.S. or international financial markets, card networks, and customer spending behavior. Create business cases in support of new risk policies, vendor integrations, and PayPal dispute infrastructure enhancements. Develop post-transaction risk requirements for product initiatives and prioritize said requirements with partner teams. Collaborate with other PayPal business and technology groups to ensure the optimal deployment of payment solutions to satisfy customer needs and corporate objectives. Monitor regulatory trends and card network requirements related to disputes and chargebacks, and ensure compliance through ongoing analysis and reporting. Partial telecommuting permitted from within a commutable distance. Additional Responsibilities & Preferred Qualifications : Minimum Requirements: Master’s degree, or foreign equivalent, in Data Science, Statistics, Business Analytics, or a closely related field, plus three years of experience in the job offered or a related occupation. Employer will accept a bachelor’s degree, or foreign equivalent, in Data Science, Statistics, Business Analytics, or a closely related field, plus five years of experience in the job offered or a related occupation. Special Skill Requirements: Experience with Python and SQL for data analysis, automation, and pipeline development (3 years); Experience with Machine Learning models for predictive analytics (2 years); Experience collaborating cross-functionally with fraud prevention, compliance, and partner teams to develop risk strategies, analytics dashboards, and post-transaction risk requirements for product initiatives (3 years); Experience with PL/SQL for developing procedures targeting high-risk transaction identification and risk mitigation (2 years); Experience with large-scale transaction data analysis to identify emerging fraud patterns and support chargeback/dispute resolution (2 years); Experience with Fraud and Risk Management, including transaction monitoring, pattern analysis, and risk strategy development (3 years); Experience with ETL processes, data cleaning, and data transformation for large-scale datasets (3 years); Experience with U.S. financial market regulations and resolution frameworks (2 years); Experience with network compliance requirements and card scheme regulations, including Visa and Mastercard operating rules (3 years); Experience with data visualization platforms (2 years). 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: San Jose, CA | Salary: $190,