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Senior Risk Data Scientist

Tokyo, Japan

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. 

This position is based in Paidy's Office in Tokyo, Japan. Please note that you must be eligible to work in Japan by holding valid working rights.

About Position 

Paidy’s Credit Risk team is currently looking for an experienced hire with expertise in data analytics and reporting to further its efforts to make the best use of data in optimizing performance across a wide variety of convenient consumer lending products.   The successful hire will have the opportunity to own large swaths of Paidy’s credit risk and overall business strategy, collaborating frequently both with Senior Management and key senior stakeholders in Sales, Marketing, Product, etc.

To be a successful member of the team, you should be highly adaptable, excited to learn about diverse parts of Paidy’s operations, and eager to champion the use of data-driven business strategy. 

Key Role and Responsibilities
  • Develop a deep understanding both of the underlying unit economics of Paidy’s business and the ways in which ongoing credit and fraud risk trends may impact Paidy’s profitability
  • Apply modern data science techniques to analyze transactional data and produce new product performance insights
  • Contribute to the development and monitoring of credit models
  • Act as a primary business stakeholder, collaborating closely with the data scientists directly building predictive models
  • Expand on Paidy’s existing suite of risk and product monitoring — both its strategic conception and the technical implementation, with an aim of both detecting problems and deviations but also uncovering insights for future step-change improvements
  • Consult with our Product Team, senior management, and the Risk Committee in the development stages of new products — what features are needed to mitigate risk, what risk policies should we put in place, and what does that mean for consumer experience?

Skills and Requirements
  • 3-6 years work experience in a data analytics, preferably in a credit risk or other finance related role
  • Bachelor’s degree or higher, preferably in a quantitative field, or equivalent experience
  • SQL /  Python / R or similar coding experience
  • Familiarity with AWS / Github is advantageous
  • Business English is required, Japanese skills are a strong advantage
  • Most importantly, we are looking for a smart person eager to take responsibility and learn

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

For those who are not able to download 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.

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

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Paidy合同会社

1.取得および利用目的 (English will follow)

Paidy合同会社(以下「弊社」という)は、弊社への採用をご希望される皆様の氏名、住所、電話番号、メールアドレス等の個人を識別できる情報を委託先のシステム及び求人エージェントを通して取得・利用します。取得・利用目的は、採用活動(書類審査、面接、評価、応募者への連絡等)のためとし、それ以外の目的での利用はいたしません。

2.安全管理

弊社は、個人情報へのアクセスまたは個人情報の紛失、破壊、改ざん、漏えい等の危険に対して、必要な安全対策を継続的に講じるよう努めます。また、委託先が取得した個人情報を適正に管理できるよう、必要かつ適切な管理・監督を行います。

3.個人情報管理責任者およびお問い合わせ先

弊社では、個人情報を適切に保護するための管理者を下記の者が担当いたしております。また、個人情報管理に関する問い合わせや開示、訂正または削除のご依頼は下記までご連絡ください。

<個人情報保護管理者>

Paidy合同会社

コンプライアンス部　プライバシーマネジャー

privacy@paidy.com

<個人情報に関するお問い合わせ窓口>

個人情報相談窓口

〒107-6212 東京都港区赤坂9-7-1 ミッドタウン・タワー12階

privacy@paidy.com

--------------------------English--------------------------

Paidy Inc.

  1. Acquisition and Purpose of Use

Paidy Inc. (hereinafter referred to as the “Company”) may obtain and use personal information, such as name, address, telephone number, and email address, of individuals who wish to apply for employment with the Company, through recruitment management systems operated by service providers and through recruitment agencies. Such acquisition is for the purpose of use in recruitment activities (such as pre-interview screening process, interviews, assessment, and communication with the applicant), and the Company will not use such information for any other purpose.

  1. Security Control

The Company will continuously endeavor to implement the security measures as are necessary to protect the personal information from the risks of unauthorized access, loss, destruction, alteration, or leakage. Also, we will take necessary and appropriate measures to manage and supervise our service provider to ensure that the personal information they obtain is handled properly.

  1. Personal Information Control Manager and Point of Contact

On behalf of the Company, the following personnel serve as the manager for properly managing the personal information. Please address any inquiry for personal information management or any request for disclosure, correction, or deletion to the following.

<Personal Information Protection Manager>

Privacy Manager, Compliance Division, Paidy Inc.

privacy@paidy.com

<Point of Contact for Personal Information>

Point of Contact for Personal Information

12th Floor, Midtown Tower, 9-7-1 Akasaka, Minato-ku, Tokyo 107-6212

privacy@paidy.com