Senior Data Scientist - Risk


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


About Position

Paidy’s Risk & Analytics team is currently looking for an experienced hire with expertise in data analytics and reporting to further its efforts to make the best of 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
  • Holistically own creation, deployment, and monitoring of new and improved 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
  • Paidy team will ask about your user experiences with Paidy Apps during the interview. Please download 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.

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


What We Offer You

  • Diversified team with 238+ colleagues from 42+ countries
  • Exciting work opportunities in a rapid-growing organization
  • Cross-functional collaboration
  • Flexible work-from-home arrangement
  • 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