Capital Risk & Stress Test

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 Description Summary: We are seeking a Risk Data Scientist to join our second line enterprise stress testing governance function. In this role you will support the design, coordination, and execution of firm-wide stress testing programs, support the administration of the Stress Testing Working Group (STWG), and contribute to scenario and assumption development. The ideal candidate demonstrates a foundation in financial risk management with strong analytical and quantitative analysis skills and ability to operate within a cross-functional and matrixed organization to meet management and regulatory needs This job will develop and implement data science models and algorithms to support business needs. You will work with stakeholders to understand data requirements and deliver solutions. Your role involves ensuring data quality, optimizing data processes, and collaborating with cross-functional teams.

Job Description:

Essential Responsibilities:

• Develop and implement data science models and algorithms.

• Analyze and interpret complex data sets.

• Ensure data quality and integrity.

• Collaborate with stakeholders to understand data requirements.

• Optimize data processes for efficiency and performance.

• Perform advanced statistical analysis and reporting.

Expected Qualifications:

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

Additional_Responsibilities_And_Preferred_Qualifications:

Your way to impact

As a Risk Data Scientist for Capital and Liquidity Stress Testing, you’ll help strengthen PayPal’s financial resilience by supporting the execution and continuous improvement of enterprise stress testing. You’ll apply analytical and data science methods to translate complex financial risk and economic concepts into actionable insights. Your work will inform decision-making, align with regulatory expectations, and help the company proactively manage its risk profile under a variety of stress conditions.

Your day-to-day

Stress Scenario Design & Assumption Alignment:

• Support the development and maintenance of a comprehensive scenario library, incorporating macroeconomic, idiosyncratic and market shocks.
• Apply data science techniques (including human-in-the-loop validation and model-assisted analysis) to support scenario development and stress impact quantification.
• Translate theoretical risk management and modeling concepts into practical applications for real-world business and regulatory contexts.
• Lead periodic scenario challenge sessions to ensure relevance, severity, and internal
• Develop documentation of scenario design logic, result aggregation, transmission channels, and impact evaluation.
• Collaborate with cross-functional stakeholders to align analytical outputs with business context and regulatory requirements.

Stress Testing Governance:

• Support the continuous improvement of the stress testing governance framework, aligning with internal policies and regulatory standards.
• Assist in coordinating the Stress Testing Working Group (STWG) meetings, preparing agendas, tracking deliverables, managing documentation, and monitoring action items.
• Participate in the end-to-end stress testing cycle: scenario ideation, impact analysis, assumption validation, result interpretation, and reporting.
• Collaborate with Finance, Treasury, Risk, and Business teams to ensure robust and timely execution of regulatory and internal stress testing exercises.

What do you need to bring

• 1+ years experience in financial services and a Bachelor’s degree OR Any equivalent combination of education and experience.
• Strong quantitative and analytical skills, with proficiency in Python, R, or SQL for data analysis and modeling.
• Ability to translate academic or theoretical frameworks (e.g., econometrics, probability theory, statistical modeling) into practical applications.
• Experience with regulatory frameworks such as Basel, ICAAP, or CCAR preferred.
• Excellent communication and problem-solving skills, with the ability to synthesize complex analyses into clear insights.
• High attention to detail and commitment to analytical rigor and transparency.
• Independence and self-motivation to take initiative, drive progress, and deliver results with minimal supervision
• Action-orientation with urgency to prioritize effectively and execute with a sense of ownership
• Comfort with ambiguity, adaptability in evolving environments, and ability to make progress amid uncertainty
• Curiosity and growth mindset that continuously seeks to learn new analytical techniques and enhance existing processes

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. For more information, visit https://www.paypalbenefits.com.

The U.S. national annual pay range for this role is $100,500 to $173,250

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 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 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 https://www.paypalbenefits.com

Who We Are:

To learn more about our culture and community visit https://about.pypl.com/who-we-are/default.aspx

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.