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:
Minimum Qualifications:
Additional Responsibilities & Preferred Qualifications:
The Sr. Manager Data Science, Payments Risk Analytics Oversight is responsible for payments risk oversight across PayPal’s European ecosystem, combining hands-on payments risk analytics and deep SEPA expertise.
Owns end-to-end risk monitoring for European payment flows, drives data-led decision making, and facilitates interactions with the regulators, banking partners, and internal teams.
Ideal candidate is someone who can move seamlessly between data, risk, and external stakeholders to:
Diagnose payments issues using data
Explain them internally and externally
Drive internal resolution end-to-end
Key Responsibilities
1. Data & Risk Analytics
Lead hands-on analysis using SQL, Python, BI tools to monitor payments risk
Build and own KRIs/KPIs for European payment flows (including SEPA)
Performs deep dives to detect anomalies and root causes of issues
Translate complex data into clear insights for executives
2. European payments Oversight & Expertise
Own risk monitoring across SEPA payment types and their lifecycle
Act as SME for all SEPA payment flows
Ensure alignment with schemes rules in the European market
Represent PayPal in discussions requiring data-backed risk positions
Serve as key contact for SEPA-related partner questions and escalations
4. Cross-functional collaboration
Works with the internal teams to:
Investigate issues (e.g., bank returns, delays)
Provide data-driven root cause analysis
Support issues resolution and partner communication
5. Risk Governance & Execution
Lead risk reporting, governance forums, and control improvements projects
Drive end-to-end resolution of systemic issues with the first-line teams
What You Bring
Core Experience
"Fluency in both German and English is required, with full professional proficiency in spoken and written German."
8–12+ years in payments / fintech / financial services
Strong experience in payments risk analytics or oversight
Direct exposure to SEPA schemes and EU payment ecosystem
Experience working with regulators and banking partners
Technical & Domain Skills
Hands-on: SQL, Python, BI tools
Strong understanding of:
Networks and schemes
R-transactions and settlement flows
EU infrastructure (TARGET2, EBA Clearing) and regulations
Profile
Data-driven and hands-on, not just oversight
Able to engage internal and external stakeholders with confidence and clarity
Comfortable handling escalations and ambiguity
Strong communicator who can translate data into action
Subsidiary:
PayPalTravel Percent:
0PayPal 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.