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 drives product strategy in alignment with a shared vision, collaborating with cross-functional stakeholders. It includes planning and implementing an architectural roadmap that balances innovative design with regulatory requirements and customer needs. The position assesses customer experience and establishes data-gathering mechanisms to measure product success through usability studies and market analysis. Responsibilities also encompass overseeing product profitability, leading operational reviews, and partnering with various experts to maximize efficiency in a dynamic environment. Formulate and execute the AI Native Strategy of credit risk platform and bring about a step function change at PayPal & in the industry. Job Description: Essential Responsibilities: Drives product strategy with cross-functional stakeholders consistent with the shared vision for the product or enabling platform. Plans and implements the architectural roadmap that balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability. Assesses the customer experience and customer needs in product requirements and decision making. Sets up data gathering mechanisms relative to the metrics that inform the success of products including usability studies, research and market analysis. Leads workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making. Oversees product profitability measures, including budget. Plans operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews. Interfaces with product and technology leadership as needed. Partners with content strategists, data scientists, product designers and user experience researchers. Maximizes efficiency in a constantly evolving environment where the process is fluid and creative solutions are the standard. Minimum Qualifications: 8+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience. Experience leading others Additional Responsibilities & Preferred Qualifications : Define and execute product strategy and roadmap for the consumer credit risk platform , focussed on BNPL for 10 + countries Engage directly with customers and prospects to understand needs, conduct discovery, and gather requirements Design end-to-end technical solutions including data delivery methods, API architectures, and integration patterns Translate customer requirements into detailed product specifications and user stories for Engineering teams Lead customer onboarding, implementation planning, and technical enablement Conduct product demo