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 role owns product strategy and execution for payment optimization across PayPal's branded and unbranded (PPCP) stacks, with direct accountability for authentication and authorization rate performance. The role also drives Global Platform Unification across our PSP businesses, concentrating on optimization capabilities and value-added services (VAS) that can be delivered consistently across regions and business lines. This is an individual contributor role.

Job Description:

Essential Responsibilities:

• Uses data to build insights on product or platform requirements consistent with the shared vision for the product.
• Gathers insights from the customer experience and customer needs to input to product requirements
• Analyzes research, market analysis and usability studies, research and market analysis to support data-driven decision making
• Monitors product profitability measures, including budget.
• Lead sprint planning, daily standups and retrospectives to drive execution. Interfaces with product and technology leadership as needed.
• Partners with content developers, data scientists, product designers and user experience researchers to identify new opportunities.

Minimum Qualifications:

• 3+ years relevant experience and a Bachelor’s degree OR Any equivalent combination of education and experience.

• Own product strategy and lifecycle performance: Manage, track, and report product performance across its full lifecycle, including strategy, planning, and issue prioritization, spanning wallet, issuer, platform decline, and risk decline optimization.
• Drive the roadmap and statement of direction: Drive product development and improvements, including roadmap and statement of direction work, and manage the full product lifecycle from concept and design through testing, production deployment, and commercialization.
• Drive wallet optimization: Own approval rate and acceptance for digital wallets such as Apple Pay, Google Pay, including tokenized and pass through wallet flows, wallet provisioning and updates, and the authentication and routing specific to each wallet.
• Drive issuer optimization: Raise approval rates at the issuer level using the data issuers prefer, such as network tokens, merchant advice and decline codes, and enriched transaction metadata, along with issuer engagement and retry and routing strategies built for each issuer.
• Drive platform decline optimization: Steadily reduce the declines that come from PayPal's own platform and gateway, such as technical and soft declines, validation errors, timeouts, formatting issues, and routing failures, working with engineering to measure, diagnose, and fix them.
• Drive risk decline optimization: Work with Risk and Fraud to cut false declines from risk decisioning, tuning rules and models to approve more legitimate transactions while keeping fraud and chargeback exposure in check.
• Own playbooks for each market: Own the playbooks that cover wallet mix, issuer preferences, 3DS exemptions, network token adoption, routing rules, and retry windows, and keep tuning them across all markets Paypal operates in.
• Run experiments with data: Design and lead A/B and multivariate tests for method selection, routing, and retries, measure the impact on authorization rate and on each decline category, and iterate toward a measurable lift in approvals.
• Prioritize by ROI and set OKRs: Prioritize features by quantified ROI, set OKRs tied to conversion lift and approval rate, and build business cases to support new product recommendations.
• Write PRDs and technical specs: Author PRDs and sequence diagrams for gateway, processor, network, and wallet integrations, with clear requirements and strong acceptance criteria that lead to high quality launches.
• Lead across teams and own reliability: Lead peers and dotted line relationships through the project lifecycle, serve as the main negotiator between internal teams and clients to resolve problems and use cases, and own incident runbooks, root cause analysis, and reliability KPIs alongside on call partners..

Subsidiary:

PayPal

Travel Percent:

0

Visa Sponsorship through PayPal is not available for this position now or any time in the future.

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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: ($143,500.00 - $212,850.00 Annually)

Additional Location(s) | Pay Range:

No other locations are assigned to this requisition currently. 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 https://careers.pypl.com/contact-us. 

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.

Our Benefits:

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 [email protected].

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.