Senior Associate, Data Science - Consumer Credit Risk Models and Data

Discover Financial
United States
Workplace: OnsiteFull timeUSD 135,600 - 154,800 annuallyFunction: Data Science & Machine LearningExperience: 2+ yearsEducation: bachelorsSkills: ["Customer-first mindset","Collaboration","Communication"]

Build and deploy econometric and machine learning models for consumer credit risk, including loss allowances, stress testing, and capital allocation. Partner with data scientists, software engineers, and product managers to modernize model pipelines and execution platforms using Python and cloud-based technologies. Work across model development from design through training, evaluation, validation, and implementation to deliver insights that improve portfolio strategy and customer outcomes.

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Discover Financial
Discover Financial
1 month ago

Senior Associate, Data Science - Consumer Credit Risk Models and Data

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Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI
Last checked: 4 hours agoStatus: Live

Job Summary

Build and deploy econometric and machine learning models for consumer credit risk, including loss allowances, stress testing, and capital allocation. Partner with data scientists, software engineers, and product managers to modernize model pipelines and execution platforms using Python and cloud-based technologies. Work across model development from design through training, evaluation, validation, and implementation to deliver insights that improve portfolio strategy and customer outcomes.
Location: United States
Workplace: Onsite
Employment Type: Full time
Job Function: Data Science & Machine Learning
Seniority: Mid level

Key Responsibilities

  • •Partner with data scientists, software engineers, and product managers to deliver customer-focused data science solutions.
  • •Leverage a technology stack (Python, Conda, AWS, Spark, and more) to extract insights from large volumes of data.
  • •Optimize and deploy machine learning models across design, training, evaluation, validation, and implementation.
  • •Translate model complexity into tangible business goals.
  • •Help modernize model pipelines and execution platforms to enable ML insights using new data sources.

Pay and Benefits

Salary: USD 135,600 - 154,800 annually

Key Requirements

  • •Bachelor’s degree in a quantitative field plus 2 years of experience in data analytics, or a Master’s degree in a quantitative field (or MBA with quantitative concentration).
  • •At least 2 years of experience developing data science solutions using open-source tools and cloud computing platforms.
  • •At least 2 years of experience in Python, Scala, or R.
  • •At least 2 years of experience with machine learning and at least 2 years with SQL.
  • •Statistical modeling experience including building, validating, and back-testing models.
Experience:2+ yearsFinancial servicesCredit riskMachine learningBig dataEconometrics
Education:Bachelor's
Skills:Customer-first mindsetCollaborationCommunication
Tech Stack:PythonCondaAWSSparkScalaRSQL

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