Machine Learning Engineer

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 Description: PayPal, Inc. seeks Machine Learning Engineer in San Jose, CA 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.

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