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:

What you need to know about the role
Join PayPal and help us transform the future of commerce. On the Risk as a Service (RaaS) team, we build AI-driven risk management tools to help some of the world’s largest online sellers accept payments online safely and securely. In this role, you’ll collaborate with merchants, data scientists, and engineers to build models and tools to help merchants manage payment risk.


Meet our team
Risk as a Service at PayPal is a highly available and sophisticated platform that enables the deployment of highly responsive fraud strategies, machine learning experiments, and is optimized to respond proactively to fast-developing cybercrime threats. The Risk as a Service Product Management team thrives in environments where we can help our customers understand and address the complex domain of payments risk management.

The Risk as a Service team owns a suite of risk and chargeback solutions targeted at merchants of all sizes who need to process payments online safely and profitably. We collaborate with data scientists, engineers, sales, legal, customer support and many more to deliver impactful solutions every day.

Job Description:

Your way to Impact

• Build, launch and scale PayPal’s Fraud Protection and Risk API services for all unbranded payments;

• Work with product leaders on shaping the product strategy and roadmap and set key business goals (OKRs);

• Serve as a product SME in strategic pre- and post-sales customer engagements;

• Be a thought leader in driving the product strategy, in tandem with the leadership team.

Your day-to-day

In your day-to-day role you will

• Author product requirements, use cases and work closely with stakeholder including Data Science, Architecture, Customer Support, Integrations, Pricing operations, Finance, Legal & Compliance and other cross-functional domains;

• Bring a strong industry perspective geared towards machine learning/artificial intelligence that can help shape and evolve the RaaS products to the next level;

• Develop a deep technical understanding of the risk and chargeback management solutions and have a strong empathy towards the pains and challenges of platform users such as developers, data scientists, and risk analysts;

• Own external APIs and SDK enhancements that enable merchants to integrate with RaaS products;

• Lead an Agile team of highly engaged engineers through the software development lifecycle while practicing transparency, trust, collaboration, and humility;

• Identify product and enablement gaps through feedback from regional teams, stakeholders, and market research;

• Establish a strong network of internal partnerships and advocacy with peers across all cross-functional groups in PayPal. 

What do you need to bring-

• 5+ years of experience in financial services with working knowledge of risk management patterns and approaches;

• 3+ years of experience in leading the development of technical products and large-scale platforms with high-reliability requirements;

• Experience and knowledge of the process of using machine learning and AI to manage business risk use cases;

• Data-driven, enthusiastic, and passionate about agile product management;

• Proven experience executing a transformational product strategy while successfully tackling ambiguity independently;

• Strong technical background and ability to understand and work with 

  • API design based on internal and external requirements, 

  • Defining and setting up platform metrics and monitoring, 

  • Defining and understanding integration requirements with external platforms;

• Excellent people and communication skills are essential. The candidate should have the ability to develop strong working relationships at all levels of management, both inside and outside of PayPal.

Additional Job Description:

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:Click Here to learn more about our culture and community.

PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit paypal.com.

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].

As part of PayPal’s commitment to employees’ health and safety, we have established in-office Covid-19 protocols and requirements, based on expert guidance. Depending on location, this might include a Covid-19 vaccination requirement for any employee whose role requires them to work onsite. Employees may request reasonable accommodation based on a medical condition or religious belief that prevents them from being vaccinated.

Subsidiary:

PayPal

Travel Percent:

0

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:

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 [email protected].  

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.