Principal Associate, Data Scientist - Cash Flow Underwriting

Discover Financial
Cambridge, Chicago, New York, Virginia
Full timeFunction: Data Science & Machine LearningExperience: 5+ yearsEducation: bachelorsSkills: ["Customer focus","Interpersonal communication","Creative problem-solving","Statistical thinking","Collaboration"]

Use advanced machine learning to engineer predictive signals for cash flow underwriting risk and customer behavior. Partner with data scientists, software engineers, and product managers to turn large-scale banking data into high-value features. Build and validate models end-to-end (design, training, evaluation, validation, implementation) using tools and platforms such as Python, Conda, AWS, H2O, and Spark, while translating technical results into business outcomes.

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Discover Financial
Discover Financial
1 week ago

Principal Associate, Data Scientist - Cash Flow Underwriting

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Source: Company careers pageValidated by: Fursa AI
Last checked: 1 hour agoStatus: Live

Job Summary

Use advanced machine learning to engineer predictive signals for cash flow underwriting risk and customer behavior. Partner with data scientists, software engineers, and product managers to turn large-scale banking data into high-value features. Build and validate models end-to-end (design, training, evaluation, validation, implementation) using tools and platforms such as Python, Conda, AWS, H2O, and Spark, while translating technical results into business outcomes.
Location: Cambridge, Chicago, New York, Virginia
Employment Type: Full time
Job Function: Data Science & Machine Learning

Key Responsibilities

  • •Partner with a cross-functional team of data scientists, software engineers, and product managers to deliver a customer-focused product.
  • •Leverage a broad stack (Python, Conda, AWS, H2O, Spark, and more) to uncover insights within large volumes of numeric and textual data.
  • •Transform raw banking data into high-value features that forecast creditworthiness and customer behavior.
  • •Build machine learning models across the full lifecycle: design, training, evaluation, validation, and implementation.
  • •Translate technical complexity into tangible business goals.

Key Requirements

  • •Bachelors degree in a quantitative field plus 5 years of experience performing data analytics, or a Masters degree (or MBA with quantitative concentration) plus 3 years, or a PhD in a quantitative field.
  • •3+ years of experience with machine learning.
  • •3+ years of experience with Python, Scala, or R.
  • •3+ years of experience with SQL.
  • •At least 1 year of experience working with AWS.
Experience:5+ yearsFinancial servicesMachine learningData analyticsBig data
Education:Bachelor's in quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or related)
Skills:Customer focusInterpersonal communicationCreative problem-solvingStatistical thinkingCollaboration
Tech Stack:PythonCondaAWSH2OSparkScalaRSQLOpen-sourceClusteringClassificationSentiment analysisTime seriesDeep learningConfusion matrixROC curve

Eligibility

Work Authorization:Sponsorship available.

Company Brief

Discover Financial
Provides consumer banking products, credit cards, personal loans, and payment services through the Discover brand. It operates a major U.S. financial network and serves individuals and merchants with lending and digital payment solutions.
Industry: Retail Banking
Company Size: Enterprise (1,001+ employees)
Revenue: USD 10M to 25M
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: Riverwoods, United States
Founded: 1985
WebsiteLinkedIn