DATA SCIENTIST

The Data Scientist develops, validates, implements, monitors, and enhances predictive models and scorecards that support business growth, risk management, and decision-making across the Mass Retail Segment. The role transforms complex data into actionable insights and analytics-driven solutions to optimize portfolio performance, customer acquisition, collections, and profitability. Main Accountabilities
• Develops credit application, behavior, revenue, propensity, collections, fraud, and recovery scorecards and predictive models to support business and risk objectives
• Assesses, prepares, and analyzes large datasets using exploratory data analysis techniques to ensure data quality and modeling readiness
• Designs, builds, and enhances statistical, machine learning, and predictive analytics models using internal and external data sources
• Performs qualitative and quantitative assessments of model methodologies, design, assumptions, and implementation processes
• Maintains comprehensive model documentation, including development methodologies, key assumptions, and model changes
• Monitors model performance and portfolio outcomes to identify risks, validate effectiveness, and recommend model enhancements or retirement
• Establishes performance benchmarks and monitoring frameworks to ensure continued model relevance and predictive power
• Leads the deployment of models through rigorous testing, validation, and user acceptance procedures to ensure implementation accuracy
• Coordinates with business units, operations, technology teams, and risk management stakeholders to support model implementation and governance requirements
• Secures required approvals and ensures compliance with the bank’s model risk management framework and regulatory standards
• Presents analytical findings, model results, and strategic recommendations to stakeholders and management to drive understanding and adoption
• Collaborates with enterprise data scientists and cross-functional teams on bank-wide analytics, modeling, and data science initiatives
• Provides guidance and oversight to Data Analysts in support of analytics and modeling activities Qualifications
• Bachelor's degree in Statistics, Mathematics, Economics, Data Science, Engineering, or a related quantitative field
• Master's degree in Statistics, Mathematics, Economics, Data Science, Engineering, or a related discipline preferred
• At least 3 years of experience in Data Science, Risk Modeling, Credit Risk Management, Collections, Fraud Analytics, or related consumer lending disciplines
• Strong knowledge of data modeling, data management, data analytics, and insight generation
• Strong understanding of risk modeling, predictive analytics, machine learning, and statistical methodologies
• Proficient in Python, SAS, VBA, Tableau, and other data analytics tools
• Proficient in Microsoft Excel, PowerPoint, and related productivity applications
• Experience working with credit, collections, fraud, or risk management systems
• Strong analytical, critical thinking, and problem-solving skills
• Excellent written and verbal communication skills with the ability to present complex data in a clear and actionable manner
• Strong stakeholder management, negotiation, and relationship-building skills
• Strong project management and execution capabilities
• Demonstrated leadership and people management skills
• Ability to independently define business problems, perform comprehensive analyses, and formulate data-driven recommendations
• Ability to thrive in a fast-paced environment while managing multiple priorities and meeting deadlines without compromising quality