Risk Portfolio Insights Expert

About Paidy Inc.

Paidy is Japan's pioneer and leading BNPL service company. At Paidy, we believe in creating simple, instant experiences to take the hassle out of shopping with a touch of magic.

Paidy offers instant, monthly-consolidated credit to consumers by removing hassles from payment and purchase experiences. Paidy uses proprietary models and machine learning to underwrite transactions in seconds and guarantee payments to merchants. Paidy increases revenue for merchants by reducing the number of incomplete transactions, increasing conversion rates, boosting average order values, and facilitating repeat purchases from consumers. 

Paidy has reached an agreement to join PayPal, the global payments company. Paidy will continue to operate its existing business, maintain its brand and support a wide variety of consumer wallets and marketplaces by providing convenient and innovative services.

Paidy continues to innovate to make shopping easier and more fun both online and offline. For more information, please visit http://www.paidy.com. 

About Position 

At the heart of Paidy’s real-time underwriting is our Credit Risk Department —a cross-functional team of data scientists and analysts building cutting-edge risk models and  strategies. Our mission is to calibrate Paidy’s risk frameworks against our corporate vision, ensuring we navigate the optimal balance between risk-taking and sustainable profitability.

We are looking for a data-driven expert to take ownership of our Credit Risk Business Intelligence. You will be responsible for engineering the data marts and reporting layers that track customer credit lifecycles, fraud patterns, and debt recovery. Your work will provide the foundational insights required to iterate on our models and drive "step-change" improvements in how we manage risk and product growth.

Key Role and Responsibilities

• Data Modeling: Understand the data needs of the business and the key metrics used for analytics and reporting. Take a leading role in the design and implementation of the risk team’s data model to take our analytics and reporting capability to the next level.
• ETL Pipeline Development: Develop and maintain ETL pipelines to update the tables which record these metrics for use in business intelligence and machine learning applications. Ensure this data is accurately and efficiently processed and stored. Work with the team to ensure data integrity and accessibility across various platforms.
• Enable Smarter Analytics: Work with the risk team to enable easier development and maintenance of key reports and dashboards by using tools such as Looker to provide flexible views from which data can be explored.
• Cross-Functional Collaboration: Work closely with data scientists, data engineers, product managers, and other stakeholders to align data initiatives with business objectives. Facilitate the seamless integration of new data assets and models into operational processes.

Skills and Requirements

• 5+ years experience in business intelligence
• Stakeholder Collaboration: Enthusiasm for working with business stakeholders and data scientists to deliver tangible and visible business value. Proactive in taking ownership of projects, building innovative solutions independently.
• Industry Experience: Experience in financial services, payment services, or fraud prevention is a plus, but not required. A strong interest in these topics is essential.
• Technical Proficiency: 
  • Metrics Translation: Skilled in translating industry-specific metrics and definitions into well-documented, performant code.
  • Spark Development: Experience building production Spark applications for batch ETL pipelines as well as processing terabyte-scale data with efficient SQL (For Spark, Scala preferred, PySpark acceptable with willingness to learn Scala)
  • Job Orchestration: Experience building ETL pipelines using job orchestration tools like Airflow or Prefect.
  • Data Integration: Experience in creating data marts or sources utilized by data scientists, data analysts, and business end users.
  • Business Intelligence Tools: Experience in building data marts for use in BI applications such as Looker, Tableau, or PowerBI.

The Paidy team will ask about your user experiences with Paidy Apps during the interview. Please download the Paidy App and try it out!

• iOS: https://apps.apple.com/jp/app/paidy/id1220373112
• Android: https://play.google.com/store/apps/details?id=com.paidy.paidy&hl=en&gl=US

For those who are not able to download the Paidy App, due to the regional restrictions, please be advised that you download the similar App, such as Klarna, Afterpay, Affirm and so forth, and come up with your opinions on these applications and services.

Please note that you must be eligible to work in Japan.

What We Offer You

• Diversified team with 230+ colleagues from 35+ countries
• Exciting work opportunities in a rapid-growing organization
• Cross-functional collaboration
• Hybrid remote work model - minimum 2 times in office per week (subject to change at company discretion)
• Competitive salary and benefits

Paidy Values

Be a winner / 勝ちにこだわる

• Always seek to beat expectations / 期待値を超える為に常に努力する
• Display surprising speed and resourcefulness / 人をスピードと機知で驚かす
• Overcome weaknesses by leveraging the strength and help of others to win / 仲間の強みを活かしたり協力を得ることで、自身の弱みや足りない点を克服する

Own and deliver, together / 共に結果を出す

• Fully support the final decision even if at times you may disagree / たとえ意見が対立することがあったとしても、最終決定を全面的に受け入れ支持する
• Acknowledge and gather the power of others, by communicating and collaborating with them / 仲間の力を認めて活用し、積極的にコミュニケーションをとり、協力する
• Show a will to own actions and go the extra mile without being asked / 行動について強いオーナーシップを持ち、言われずとも業務を遂行しきる覚悟を持つ

Be a valued team member / 価値を認められるメンバーになる

• Strive to play an integral role / 替えの効かない役割を果たす
• Embrace and bridge differences in perspective, language and culture / 異なる意見・考え方、言語と文化の架け橋になる
• Don’t compromise - raise the bar for yourself and others / スタンダードを上げ続けることに妥協しない