Credit Risk Manager

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. 

At the heart of Paidy’s real-time underwriting is our Credit Risk Department — a team of risk 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 seeking a seasoned credit risk professional to take ownership of Paidy’s credit policies lifecycle — acting as the strategic bridge between raw data insights and automated decisioning. In this role, you won't just report on data; you will define the features, requirements, and monitoring frameworks that power our underwriting engines. As a key architect of our risk strategy, you will collaborate closely with Data Science and Senior Leadership to evolve our modeling capabilities, ensuring our credit products remain both highly competitive for consumers and fundamentally resilient for the business.

• →Develop a deep understanding of both underlying unit economics of Paidy’s business and the ways in which ongoing credit and fraud risk trends may impact Paidy’s profitability
• →Lead the end-to-end credit risk policies lifecycle, from defining strategic requirements and exploring new opportunities to overseeing implementation and robust performance monitoring
• →Enhance portfolio monitoring capabilities through detection of emerging credit trends and refining forecasting accuracy to drive proactive business decisions
• →Lead members of the Risk team to architect and refine automated underwriting and limit management strategies, leveraging model insights to enhance decision accuracy and optimize Paidy’s profitability
• →Act as a risk subject matter expert for new product development and changes, partnering with Product Managers and Executive Leadership to define risk mitigation features and optimize the balance between risk controls and a seamless consumer experience
• →Other duties as needed or required

• 8+ years of experience in data driven business roles, ideally within a Credit Risk, Fintech, or other financial services environment
• Track record in leading the development of novel strategies to meet business objectives
• Advanced proficiency in SQL and Python (or R)
• Familiarity with cloud-based environments and version control, specifically AWS and GitHub, is preferred.
• Strong stakeholder management skills, with the ability to communicate technical concepts to Product Managers and Senior Leadership.
• Business English is required, Japanese skills are a strong advantage
• Experience as a people leader
• 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!

• 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 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.

• 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。

• 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。

• 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。