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 \\u2013 and they push us to ensure we take care of ourselves, each other, and our communities.\ \ Job Summary:\ \ As a Consumer Risk Platform Product Manager at PayPal, you will develop and manage products and strategies that protect users from fraud while preserving a seamless experience. You will design proactive and reactive risk frameworks across the consumer transaction lifecycle, leveraging PayPal\\u0027s transaction data and machine learning capabilities to identify threats and drive effective mitigation strategies. \ Working cross-functionally with engineering, data science, operations, and business stakeholders, you will define risk requirements, oversee the full product lifecycle, and track KPIs \\u2014 including fraud rates, false positives, and customer impact \\u2014 to continuously improve risk outcomes. \ You will drive platform strategy for observability, explainability, and end-to-end decision instrumentation, build resilient high-availability platforms, and scale actionable insights globally \\u2014 keeping PayPal\\u0027s ecosystem secure and trusted worldwide.\ \ 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\\u2019s degree OR Any equivalent combination of education and experience.\ \ \ \ Additional Responsibilities \\u0026 Preferred Qualifications:\ \ * Design and implement proactive and reactive risk management frameworks to predict, identify, and mitigate potential threats across the consumer transaction lifecycle.\ * Work closely with engineering, data science, and Consumer teams to develop and refine risk requirements that align with business objectives and regulatory requirements.\ * Leverage PayPal\\u2019s extensive transaction data and advanced machine learning capabilities to analyze fraud patterns and develop effective mitigation strategies\ * Oversee the end-to-end product lifecycle, from ideation to deployment, ensuring timely delivery and continuous improvement of risk management solutions.\ * Establish and track key performance indicators (KPIs) related to fraud rates, false positives, and customer impact to assess the effectiveness of risk strategies. \ * Define and drive platform strategy for observability, explainability, and end-to-end decision instrumentation, ensuring transparency, measurability, and production visibility across complex systems.\ * Build resilient, high-availability platforms with strong system health monitoring, controlled degradation, and robust incident readiness frameworks (including red-teaming and failure scenario planning).\ * Partner cross-functionally to improve reliability, reduce manual workflows, and democratize actionable insights at global scale.\ * Foster trust and cultivate strong relationships across the organization to drive collaboration, alignment, and consensus on strategic initiatives.\ \ \ \ Subsidiary:\ \ PayPal\ \ Travel Percent:\ \ 0\ \ -\ \ 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:\ \ Austin, Texas | ($160,500.00 - $238,700.00 Annually)\\u0026#xa;\ \ 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\\u0027s 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\\u2019re committed to building an equitable and inclusive global economy. And we can\\u2019t do this without our most important asset-you. That\\u2019s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing\\u2014physical, emotional, and financial\\u2014delivering 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\\u2019t hesitate to apply.\