Job Summary

PayPal is looking for a Credit Risk Manager to join the European and Australian Buy Now Pay Later (BNPL) Risk Team, supporting the successful execution of strategic BNPL partnerships with large merchants across Europe. This is a hands‑on, analytics‑heavy role embedded within a high‑impact credit risk organisation. You will be the critical bridge between commercial deal execution and risk management, responsible for designing merchant‑specific credit strategies that are driven by a deep understanding of each partner's unique user base, product structure, and business needs. The ideal candidate combines strong quantitative and analytical skills with a commercial mindset, and thrives in a fast‑paced, cross‑functional environment where credit risk directly enables business growth.

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

Proven experience in credit risk management is a must, with in-depth knowledge of credit performance, data providers, credit and behavioural scoring, and industry best practices.
5+ years' experience in credit and/or fraud risk management in consumer credit products (e.g. credit cards, instalment loans, or revolving credit); fintech background preferred.
Strong proficiency in analytics and data tools: SQL and Python essential; Tableau or similar BI tools an advantage.
Experience with credit bureau and other sources of consumer data.
Strong written, oral, and interpersonal skills, including the ability to present technical findings to non-technical audiences.
Proven ability to influence, collaborate, and build relationships across a matrixed, international organisation.
Influence the strategic direction of the BNPL portfolios, utilising UK/European market expertise and analytically driven ideas.
Design and own merchant‑specific credit risk strategies, driven by deep analysis of each partner's customer base, transaction behaviour, and risk profile.
Work with P&L owners and stakeholders to analyse, propose, and implement robust strategies across the full BNPL customer lifecycle.
Measure the P&L impact of credit strategies to optimise the mix of risk and revenue.
Share insights with leadership on book quality and provide recommendations on risks and opportunities.
Explore internal and external data sources - including credit bureau - to evaluate their contribution to the credit underwriting process.
Work with operations, compliance, and legal teams to ensure strategies are operationally sound and meet applicable regulatory requirements.
Typically requires a minimum of 5 years of related experience with a Bachelor's degree; or 3 years with a Master's degree; or equivalent work experience.
Experience with analytics and data mining tools such as SQL, Python, Advanced Excel, or Tableau.
Good judgment with a demonstrated ability to think creatively and strategically.

Travel Percent: 0

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

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PayPal, Inc.