Risk Analyst

Who we are

 

At PayPal (NASDAQ: PYPL), we believe that every person has the right to participate fully in the global economy. Our mission is to democratize financial services to ensure that everyone, regardless of background or economic standing, has access to affordable, convenient, and secure products and services to take control of their financial lives. We’re a purpose-driven company, and our beliefs are the foundation of how we conduct business every day. We’re guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Collectively, these values inspire us to work together as One Team with our customers at the center of everything we do, and to take care of ourselves, each other, and the communities in which we live and work. We challenge the status quo, ask questions, and find solutions. Join us as we enable the hopes, dreams, and ambitions of millions of people around the world.

 

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Job Description Summary:

Risk Analysts are highly motivated team players with self-learning ability who specialize in driving and executing initiatives to mitigate fraud patterns while improving the customer’s experience for the PayPal’s hundreds of millions of customers.
The day to day job involves identifying fraud patterns based on analysis of huge data sets, creating mitigations to prevent fraud on PayPal’s customers and adapting process, procedures, and proprietary fraud prevention mechanisms to enable PayPal’s growth. The analysts work with a wide verity of partners in the company such as product experts, developers, data scientists and engineers to bring their analytical insights to life.
The ideal candidates are problem solvers, equipped with strong analytical skills suited to approach varied challenges in complex big data environments. Risk Analysts will be required to drive solutions from start to finish, have a strong sense of accountability coupled with passion for a great customer experience.

Job Description:

Role Description:

Deliver decision strategies

• Develop data-driven decisions to support the business’ global financial goals, monitor their impact and adjust it according to the dynamic world we operate in.
• Work with PayPal’s detailed business data to optimize performance and minimize financial loss across multiple products, global regions and financial systems.

Drive End-to-End processes with partners across many organizations

• Plan and execute long-term projects from start to finish.
• Drive partners from across the company to help in executing process.
• Think and execute product requests to help Risk achieve their goals of reducing fraud losses and improving customers’ experience.

Support Product and Business Organizations

• Guide the development of customer-facing products and flows to enhance the PayPal experience around the world.
• Work to improve user experience in PayPal’s products while maintaining high Risk decision accuracy.
• Act as Risk’s point of contact for products launches, represent Risk’s point of view and make sure PayPal products are launched with Risk capabilities that meets our high standards.

Scope of Responsibility:

• Proficiency to complete assignment with multiple steps, guided by defined processes and project requirements.
• Works independently and proficiently. Accountable for own results. Reviews are mainly for consultation and sharing ideas.
• Works on multiple assignments simultaneously and in all areas of a standard project in the area of responsibility. 
• Focuses primarily on how to achieve overall analytic objectives of a project with speed and quality.
• Suggests ideas for operational plans and objectives.
• Clear subject matter expert within group / geography.
• Identify typical problems and issues during normal course of work and take proactive actions to solve them. Recommends changes to policies and establishes procedures that affect immediate domain(s).
• Impact of decision has moderate to large reach.

Functional Skills:

• Established proficiency in fundamental technical skills (experience with SQL /Tableau/programming/scripting language)  
• Intermediate skills in rule writing systems, development and implementation of complex decision frameworks by coding action rules and decision tables using BAL (Business Action Language), variables creation, RADD files design, regular expression proficiency.
• Intermediate capability to create/revamp innovative and technical solutions that require the processing of large datasets across different platforms. Collaborate with other analysts to achieve the optimal level of system automation decisioning and minimize human intervention.
• Has solid knowledge of internal and external business processes and data, systems and flows, as well as analytic tools, processes, and methodologies 
• Intermediate statistical skills, ability to forecast real-world performance based on samples, simulations and user behavior analytics. 

Business Acumen:

• Familiar with PayPal’s major products, flows and risk-related actions.
• Good understanding of PayPal’s business goals and how they can influence them in their role.

Behaviors and Communication:

• Effectively communicate with product teams about requirements.
• Be data-driven and outcome-focused. 
• Is recognized as capable in primary area of functional expertise – policy, solutions, product, process or merchant risk support.
• Organizes one’s time and works efficiently.  Meets goals and deadlines.
• Takes personal ownership.
• Learns continuously; Seeks out knowledge, ideas and feedback.  Looks for opportunities to build owns skills, knowledge and expertise.

Minimum Requirements:

• BS/BA degree or equivalent professional work related experience with 2+ years of experience, MS degree with 1+ year of experience or
• 5+ years of experience in PayPal or similar Risk/Consumer-behavior companies.

Subsidiary:

PayPal

Travel Percent:

0

Diploma or Equivalent

For more than 20 years, PayPal has remained at the forefront of the digital payment revolution. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, our open digital payments platform gives PayPal’s 400 million active account holders the confidence to connect and transact in new and powerful ways. Through a combination of technological innovation and strategic partnerships, PayPal creates better ways to manage and move money, and offers choice and flexibility when sending payments, paying, or getting paid. Available in more than 200 markets around the world, the PayPal platform, including Braintree, Venmo and Xoom, enables consumers and merchants to receive money in more than 100 currencies, withdraw funds in 56 currencies and hold balances in their PayPal accounts in 25 currencies.

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 [email protected].