Lead Product Manager, Risk Decisioning

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:

At PayPal real-time decisioning powers customer protection and global commerce. Were looking for a Lead Product Manager to lead product direction for a risk domain across a portfolio of risk strategies. Partnering with risk strategy leaders youll set the domains product vision and roadmap turning outcomes like loss reduction approval rates and customer experience into product plans. Youll define what each strategy needs from rules and models to data and customer treatments and shape the roadmap of our next-generation Risk Decisioning Platform. Near term youll move strategies off legacy systems and ramp them to full production; beyond that youll launch new strategies and use experimentation and automation to keep optimizing. Working with data science modeling and engineering youll track performance and captured savings and represent the domain in product and steering committee reviews. You bring deep risk domain expertise and strong technical fluency.

Job Description:

Essential Responsibilities:

• Inputs to product strategy with cross-functional stakeholders consistent with the shared vision for the product or enabling platform.
• Implements the architectural roadmap that balances innovative design and technical implementation while balancing regulatory requirements time-to-market meeting customer needs and product profitability.
• Controls for the customer experience and customer needs in product requirements and as an input to decision making.
• Monitors metrics that inform the success of products including usability studies research and market analysis.
• Manages one or more workstreams to include analytics customer discovery market research and competitive analysis to drive data-driven decision-making.
• Monitors product profitability measures including budget.
• Participates in 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 developers data scientists product designers and user experience researchers.

Minimum Qualifications:

• 5 years relevant experience and a Bachelors degree OR Any equivalent combination of education and experience.

Additional Responsibilities & Preferred Qualifications :

• Experience building products in fraud account integrity credit or other risk domains in close partnership with risk strategy teams.
• Track record of setting a multi-year product vision and roadmap balancing near-term delivery with longer-term bets.
• Working knowledge of how risk decisions are made and tuned including rules ML models features and step-up and friction treatments and the tradeoff between loss and customer experience.
• Strong quantitative skills: defining and interpreting risk metrics (loss catch false positive and approval rates) sizing opportunities and connecting product changes to business impact.
• Experience launching through controlled rollouts and experimentation including champion/challenger tests and staged traffic ramps.
• Experience translating business needs into clear asks for data science modeling and platform teams and managing dependencies across them.
• Experience leading major platform transitions such as migrating risk strategies off legacy systems while protecting performance.
• Ability to influence senior business stakeholders and drive milestone-based delivery across multiple teams.

Subsidiary:

PayPal

Travel Percent:

10

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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: ($176500.00 - $262350.00 Annually)

Additional Location(s) Pay Range:

Chicago Illinois: ($160500.00 - $238700.00 Annually) Austin Texas: ($160500.00 - $238700.00 Annually) Additional compensation for this role may include an annual performance bonus equity or other incentive compensation as applicable.

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 the majority of employees PayPals 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 were committed to building an equitable and inclusive global economy. And we cant do this without our most important asset-you. Thats why we offer comprehensive choice-based programs to support all aspects of personal wellbeingphysical emotional and financialdelivering meaningful value where it matters 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:

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 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 .

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 dont hesitate to apply.

Required Experience:

IC