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PayPal

Lead Product Manager, Decisioning Platform

PayPal is hiring a Lead Product Manager, Decisioning Platform in San Jose, United States. It pays $177k-$262k a year and Level rates it ; you can apply on PayPal.

Level's read on this job

  • Uses AI ●●○○ is how Level rates this role: an ordinary role that requires AI tools.
  • Tools and skills the posting cites include product management, risk decisioning and fraud detection.
  • Level classifies it as a lead role.
  • Level lists 321 other open roles at PayPal.
  • The role was posted in the last few days.

AI in this role

Own the strategy for PayPal's Risk Decisioning Platform driving fraud, credit, and compliance decisions at scale.

product-managementrisk-decisioningfraud-detectionreal-time-payments

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:

At PayPal, real-time decision-making powers customer protection and global commerce. Our Risk Decisioning Platform drives fraud, credit, and compliance decisions, processing massive signal volumes in milliseconds. We’re looking for a Lead Product Manager to own the strategy, roadmap, and execution for the platform’s data pillar. That covers how internal and external data reaches risk decisions: vendor and identity data integrations, upstream and downstream data flows, analytical data, and data governance. You’ll work backwards from measurable outcomes, translating them into grounded specifications. You’ll collaborate with engineering, data science, risk strategy, and governance teams to build scalable solutions, track data health, and drive legacy migration. You’ll lead product reviews and steering committee updates as a SME. The ideal candidate brings a strong technical foundation in scaled data platforms & data engineering, with broad impact across fraud, credit, and compliance.

Job Description:

Essential Responsibilities:

  • Inputs to product strategy with cross-functional stakeholders consistent with the shared vision for the product or enabling platform.
  • Implements the architectural roadmap that balances innovative design and technical implementation, while balancing regulatory requirements, time-to-market, meeting customer needs and product profitability.
  • Controls for the customer experience and customer needs in product requirements and as an input to decision making.
  • Monitors metrics that inform the success of products including usability studies, research and market analysis.
  • Manages one or more workstreams to include analytics, customer discovery, market research and competitive analysis to drive data-driven decision-making.
  • Monitors product profitability measures, including budget.
  • Participates in operational mechanisms that drive execution and accountability including Product Reviews, Operating Reviews, and Business Reviews. Interfaces with product and technology leadership as needed.
  • Partners with content developers, data scientists, product designers and user experience researchers.

Minimum Qualifications:

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

Additional Responsibilities & Preferred Qualifications:

  • Experience building or managing data platform products in the decisioning, risk, or real-time scoring space, including data integration, pipelines, or analytical data layers.
  • Experience integrating external data vendors (e.g., identity, bureau, alternative data) and managing upstream and downstream data flows across streaming and batch systems.
  • Familiarity with data engineering best practices and data governance in regulated environments: data contracts, quality SLAs, lineage, access controls, and privacy.
  • Strong data intuition: ability to define and interpret data health and usage metrics, run analyses, and translate findings into product decisions.
  • Experience with agile delivery at scale, including legacy pipeline migration, cross-team dependency management, and milestone-driven roadmap execution.

Subsidiary:

PayPal

Travel Percent:

10

-

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: ($176,500.00 - $262,350.00 Annually)

Additional Location(s) | Pay Range:

Chicago, Illinois: ($160,500.00 - $238,700.00 Annually) Austin, Texas: ($160,500.00 - $238,700.00 Annually) 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 paypalglobaltalentacquisition@paypal.com.

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.

How we rate this

Lead Product Manager, Decisioning Platform at PayPal rates 40 out of 100 for how much of the daily work is AI. That makes it Uses AI (AI Level 2 of 4). The level is about AI in the job, not seniority.

Classification

Uses AI. An ordinary role that requires AI tools.

  1. ●●●● Builds AI80 to 100
  2. ●●●○ Works on AI60 to 79
  3. ●●○○ Uses AI40 to 59
  4. ●○○○ Little AI0 to 39

Levels come from how often the tools, models and workflows of the role are named in the posting itself. Read the description and count the AI tools, models and workflows it names.

Prepare for this job

Built from this posting and from similar jobs on Level.

Skills and AI tools this role asks for

Product ManagementRisk DecisioningFraud DetectionReal Time Payments

Questions you could be asked

  1. Tell me about a project where product management was part of your work. What did you do?
  2. Tell me about a project where risk decisioning was part of your work. What did you do?
  3. Tell me about a project where fraud detection was part of your work. What did you do?
  4. Tell me about a project where real time payments was part of your work. What did you do?
  5. This role expects you to use AI tools as part of the job. Which ones have you used, and for what?

Adapt your resume

  • List these exact terms on your resume: Product Management, Risk Decisioning, Fraud Detection, and Real Time Payments. An applicant tracking system matches the wording, not the idea.
  • Attach one line of real, concrete experience to at least one of them. A tool named with nothing behind it rarely survives a human read.
  • Put the AI tool in a bullet point about what you did, not just in a skills list. This role treats it as a required part of the job.

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