Pathward
Data Scientist I
Job Summary
This role involves developing and monitoring credit, fraud modeling, and data analytics models using advanced analytical techniques. The candidate will work with large datasets, design machine learning and statistical models, and collaborate with teams and vendors to implement strategies. The ideal applicant has a strong background in data mining, modeling, and analytics tools such as SAS, R, Python, and SQL, along with experience in credit risk or consumer finance. The position supports data-driven decision making to assess risks and identify opportunities, emphasizing problem-solving and communication skills.
Required Skills
Benefits
Job Description
We are a hybrid, remote-office company dedicated to growing our talent anywhere!
We have onsite locations in: Sioux Falls, SD, Scottsdale, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.
At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.
We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
About the Role:
This role presents an excellent opportunity to work with credit, fraud modeling, data science and portfolio analytics team. In this highly visible role, you will be self-driven and passionate developing quantitative models, ongoing performance monitoring of in-house and partner models to ensure that models are working as expected.
This role requires creative problem solving as we are constantly exploring new data sources and solutions to comprehensively understand our customers' needs and preferences and identify and interpret insights from data sources and communicate findings to management.
What You Will Do:
- Consolidate disparate and large datasets for use in reporting, analytical, and modeling work, including proper quality assurance and data management practices in accordance with data governance policy.
- Mine, model, and analyze large datasets utilizing descriptive, predictive, and prescriptive analytics.
- Develop insights from historical performance data, identify opportunities, and develop solutions using various analytical techniques.
- Develop and support machine learning and statistical models for use in predicting credit outcomes, and/or identifying and quantifying various risks.
- Design and deploy model monitoring frameworks to assess the performance of deployed models.
- Advise senior management of emerging trends and risks.
- Collaborate with vendors and technology teams to ensure new strategies and models are implemented accurately and as designed.
- Conduct other ad hoc analyses as required to support team goals.
- Additional duties as assigned.
What You Will Need:
- Master’s or PhD degree in an Finance, Business, Actuarial, or Analytics related field.
- 2 years of experience in data mining, modeling using SAS, SQL, R/Python.
- Experience in the consumer credit industry is a plus.
- Strong analytical and problem-solving skills, combined with solid business acumen.
- Exceptional written and communication skills, and ability to explain complex insights to a range of audience.
- Strong technical skills such as SAS, R/Python, AWS Sagemaker and ability to independently access and analyze data using Snowflakes in AWS Cloud and on prem SQL environment.
- Knowledge and experience with AI/ML and credit bureau data.
The responsibilities listed above are not all inclusive and may be changed at any time.
Salary range: $57,582.12 – $106,345.10
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.
#LI-Remote
Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.
Who we are:
Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.
Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – [email protected]
Please click here to view Pathward's Applicant Privacy Notice.
Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.
Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.
Candidate Scam Warning
We encourage you to be cautious of hiring scams that impersonate Pathward. Copy and paste the following URL into your browser to learn more: https://www.pathward.com/about-us/people-culture/careers/
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Pathward
Pathward powers financial inclusion for all and is committed to providing a path for people and businesses to reach the next stage of their financial journey.
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