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:

Credit Risk Engineering Team: The Credit Risk Engineering team at PayPal is tasked with crucial responsibilities including Credit Risk decision-making, fraud detection, risk management decisions, and providing compute services globally. We are at the forefront of designing, developing, enhancing, and supporting services that are integral to every interaction between PayPal and its users and partners. Our solutions are engineered to seamlessly scale across millions of interactions, leveraging petabyte-scale data, real-time integration with various APIs, and ensuring high availability and configurability to meet the dynamic needs of the business. To stay ahead, we constantly explore advancements in technology and science, aligning them with business imperatives.

Job Description:

Your way to impact:

As a software engineer, you will engage in design, developing, testing, and deploying a range of products in Consumer Credit Risk Organization. Specifically, you will develop Revolve Credit card products which includes PPC US, PPC UK, Venmo Credit Card & Co-brand PayPal cashback Mastercard.

Your day to day:

• Collaborate with Product Owners and cross-functional teams to comprehend business requirements and deliver scalable solutions. 
• Proactively identify and communicate potential issues to the team and management in a timely manner. 
• Collaborate with a team of skilled engineers, product managers, and architects to design and develop a highly scalable and configurable Credit Risk Platform. 
• Contribute to design meetings, proposing, discussing, and refining new features and functionalities. 
• Engage in all phases of the project life cycle, from kickoff through requirements analysis, design, and implementation. 
• Demonstrate self-starting capabilities, working independently or as part of a team, and possess strong communication skills for interfacing with business partners and Technology. 
• Communicate technical standards, principles, methodology, and trends to stakeholders effectively. 
• Apply analytical and innovative thinking to develop comprehensive detailed specifications. 
• Excel in cross-functional collaboration and achieve results in matrix organizations. 
• Utilize experience in engineering support throughout the product development life cycle (PDLC). 
• Possess working knowledge of fintech standards and practices, preferred. 

What do you need to bring:

• Experience in Scalable, Distributed Systems
• Proficiency in back-end development utilizing Java EE technologies (Java, application servers, servlet containers, JMS, JPA, Spring MVC, Hibernate). 
• Strong object-oriented programming (OOP) skills, with the ability to analyze requirements and translate them into scalable software designs. 
• Hands-on experience with REST APIs and adeptness in designing and constructing web services/microservices in a commercial environment. 
• Experience with SQL & NoSQL DBs, modern database technologies, Caches, Message Queues​.
• Competent in designing and implementing solutions for reliability, availability, scalability, and performance. 
• Proficiency in software engineering tools (e.g., Java build tools) and adherence to best practices such as unit testing, test automation, continuous integration, etc. 
• Advocacy for code craftsmanship, adherence to good coding standards, and utilization of tools to enhance the quality of delivered code. 
• Demonstrated curiosity, passion for technology, a sense of ownership, and a commitment to excellence.
• Experience in Agile/Scrum methodology for software development. 
• Good understanding of web services and Service-Oriented Architecture (SOA) standards like REST, OAuth, and JSON. 
• Experience with Big Data technologies & AI/ML will be a plus.

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.