Data Science Manager & Credit Card Pricing & Profitability

Overview

The Data Science Manager for Profitability Modeling will leverage a strong background in business economics, statistics, and technology development to deliver models that forecast business performance based on customer data, macro factors and treatment effects for all consumer lending products. The successful candidate will be intellectually curious, and delivery focused, aligning priorities across multiple stakeholders to mathematically model causal relationships that are explainable to business leaders and allow for differentiated decision making across the consumer lending organization.

Responsibilities

• Perform or lead the performance of exploratory data analysis to understand relationships and opportunities to influence outcomes, while being able to quickly iterate common feature transformation and model types to find the best predictive models
• Develop and document proofs of concept to verify ideas, including counterfactual explanations for interpretability
• Work closely with Line of Business to ensure the proposed solution is performing as expected and is correctly understood
• Support model validation and model back testing
• Identify opportunities to apply the latest advancements in pricing theory and ML/AI modeling to build, test, and validate predictive models
• Leverage expertise in both statistical modeling and business financial analysis to move past association and identify causal relationships
• Actively mentor Data Scientists and Junior Data Scientists on good software practices
• Develop and embed automated processes for predictive model validation, deployment, and implementation
• Develop pricing modeling pipelines and actively contribute high-quality, production-ready code
• Support ad-hoc requests from the line of business by understanding, communicating, and managing model risks
• Create and follow written risk and compliance policies, standards, and procedures for business activities

Qualifications

Required Skills/Experience

• 6+ years of industry experience leading the design, development, and deployment of pricing models
• Experience being the technical lead for multiple project teams simultaneously
• Previous experience mentoring, training, and developing junior members of the team; experience in employee performance reviews
• Expert understanding of Python and other common languages and the ability to develop and maintain a flexible code base
• Require experience building classic regression and ML models for Credit Cards
• Extensive experience in financial modeling, loss forecasting, utilization, P&L and Cash flow analysis
• Experience with cloud-based ecosystems, including managing on demand compute resources
• Experience in an Agile working environment and related project management tools
• Experience with version control practices and tools (Git, etc.)
• Excellent written and verbal communication skills

Education

• Master's Degree or higher in Statistics/Mathematics/Economics

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday
• Hybrid: 4 days per week on site, 1 day remote

Pay Transparency & Benefits

The salary range for this position is $180,000- $220,000 per year plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and prof