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: We're looking for a data scientist to join our UK team in London. Someone who goes above and beyond simply providing reports and analyses. This person will generate insights by conducting extensive analyses of PayPal’s rich data. In the process, this person will develop a deep understanding of the payments businesses, our site and mobile app functionality, further strengthen their analytic, leadership, and presentation skills, and gain exposure to a wide variety of functional teams within PayPal. Job Description: Essential Responsibilities: Lead and manage data science projects, ensuring timely delivery and alignment with business goals. Develop and maintain data models, algorithms, and reporting systems to support data analysis and decision-making. Analyze complex datasets to identify trends, patterns, and insights that drive strategic initiatives. Collaborate with cross-functional teams to understand data needs and provide actionable insights. Ensure data quality and integrity through regular audits and validation processes. Mentor and guide junior data scientists, fostering a culture of continuous learning and improvement. Minimum Qualifications: 5+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Additional Responsibilities & Preferred Qualifications : Key Responsibilities Collaborate with stakeholders in Marketing, Product, Sales, Portfolio and Finance to achieve business objectives using data-driven solutions. Aggregate PayPal’s large and varied datasets, building data pipelines to serve reports and dashboards. Develop insights in many areas, including customer segmentation, product usage, marketing campaigns, and portfolio behaviour. Design and analyse A/B tests and experiments to evaluate the impact of product and marketing initiatives, translating results into clear recommendations for stakeholders. Identify key metrics and build exec-facing dashboards to track progress of the business and its highest priority initiatives. Work with stakeholders in Legal and Compliance to achieve regulatory objectives, such as complying with Consumer Duty. Requirements: A degree in a quantitative field is highly desirable, but equivalent experience can be considered. 8+ years in a data science/analytics role in consumer credit (credit cards, personal loans, BNPL, neobank, etc) working with a wide range of datasets and stakeholders. Experience with SQL is essential; the ideal candidate will also have experience in creating dashboards (Tableau) and a scripting language (Python). Familiarity with AI and LLM-based tools (e.g. Claude, ChatGPT) to accelerate analysis and improve productivity is a plus. Strong written and verbal communication skills. You must be able to build relat