Manager, Payments Risk & Analytics

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 design and implement advanced data science models to support business needs. 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:

Essential 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.

Minimum Qualifications:

• 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

1. Data & Risk Analytics

• Lead hands-on analysis using SQL, Python, and BI tools across large-scale payments datasets
• Design, build, and maintain scalable dashboards to monitor payments risk
• Develop and own KRIs/KPIs frameworks across European payment flows
• Ensure data integrity, consistency, and governance alignment across reporting and analytics outputs
• Establish and apply best practices in data analysis, visualization, and reporting

2. Payments Risk Monitoring & Diagnostics

• Conduct deep-dive analyses to identify anomalies, emerging risks, and systemic issues
• Perform root cause analysis on payment issues (e.g., bank returns, delays, processing failures)
• Quantify risk exposure and assess impact using transaction-level data
• Proactively surface and escalate key risk insights to stakeholders

4. SEPA & Payments Domain Expertise

• Develop strong expertise in PayPal payments
• Analyze SEPA data to detect trends, inefficiencies, and scheme-related risks
• Extend analytics beyond SEPA to other payment methods, channels, and infrastructure components
• Support data-driven engagement with banking partners, schemes, and internal stakeholders

• Contribute to and help drive risk governance activities, including: Risk reporting and dashboards, Governance forums and risk reviews, Thematic analyses and control assessments
• Support identification of control gaps and drive data-backed recommendations for remediation
• Partner with first-line teams to validate fixes and ensure sustainable issue resolution
• Enhance risk monitoring frameworks and analytics-driven oversight capabilities

What You Bring

Core Experience

• "Fluency in both German and English is required, with full professional proficiency in spoken and written German."
• 5+ years in payments / fintech / financial services
• Proven experience in payments risk, oversight, or financial operations environments
• Experience with SEPA schemes and European payments ecosystem preferred

Technical & Domain Skills

• Advanced proficiency in:
• SQL (complex querying, data modeling)
• Python (data analysis, automation)
• BI tools (Tableau, Power BI, Looker, etc.)
• Experience building dashboards, data pipelines, and scalable analytics solutions
• Familiarity with cloud data platforms (e.g., BigQuery) is a plus

Profile

• Highly analytical, with strong problem-solving and data storytelling skill
• Comfortable navigating ambiguity and complex, cross-functional environments
• Strong ownership mindset with ability to independently drive initiatives
• Effective communicator with the ability to influence stakeholders using data

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 https://careers.pypl.com/contact-us. 

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.

Who We Are:

Click Here to learn more about our culture and community.

Commitment to Diversity and Inclusion 

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.  

Belonging at PayPal: 

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.