Machine Learning Engineer

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: Job Description: Job Duties: Design, develop, implement, deploy, and monitor predictive models using machine learning techniques, including neural networks and tree-based models. Work with large volumes of data, including extracting insights and manipulating big data covering a wide range of information. Collaborate with other ML scientists and engineers to formulate innovative solutions, experiment, and implement advanced ML techniques to solve business problems. Clearly and effectively communicate complex concepts, analysis insights, and modeling results through creative visualization to stakeholders of varying technical levels. Build credit models to predict delinquency, fraud and repayment behavior for merchant loans, conduct experiments to improve model performance and facilitate model deployment. Ensure credit models solve business problems, ensure models’ compliance to regulation, enhance internal risk controls and improve operational efficiency to enable the best user experience. Partial telecommuting permitted from a commutable distance. Minimum Requirements: Master’s degree, or foreign equivalent, in Mathematics, Statistics, or a closely related field in the job offered or a related occupation. Special Skill Requirements: 1. Develop and deploy machine learning models using Python, including NumPy and PyTorch frameworks. 2. Write and optimize SQL queries in Google BigQuery or HiveQL for high-volume data extraction, transformation, and feature engineering. 3. Implement deep learning architectures such as convolutional neural networks (CNNs), recurrent neural networks (RNNs), and Transformers. 4. Apply natural language processing (NLP) techniques for text analytics and language understanding. 5. Conduct experimental design for model building and selection methods. 6. Perform statistical analysis including regression modeling and hypothesis testing. 7. Create analytical visualizations in Python and/or Excel to communicate data insights. 8. Programming on Unix command line and Bash scripting. 9. Use Git for source-code management. 10. Experience in Jupyter Notebooks and/or Google Colab for interactive analysis and modeling. Additional Responsibilities & Preferred Qualifications: The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is: Primary Location | Pay Range: San Jose, California | Salary: $187,741.00-270,500.00 per annum. 40 hours per week; M-F, 9:00 a.m. to 5:00 p.m. Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable. Must be legally authorized to work in the U.S. without sponsorship. PayPal Travel Percent: 0 PayPal 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 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. 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 View email address on click.appcast.io. 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. #J-18808-Ljbffr