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Principal Data Science-consumer Credit Review
2 months ago
Discover. A brighter future.
With us, you’ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it — we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine.
Come build your future, while being the reason millions of people find a brighter financial future with Discover.
This position within 2nd Line of Defense (under Corporate Risk Management) is responsible for providing analytics to support the execution of ongoing and periodic Consumer Credit Reviews across the life cycle of consumer lending products covering credit cards, personal loans and home equity loans.
Responsible for working closely with management to execute analytical and review initiatives to support the execution of annual Consumer Credit Review plan. Responsible for providing thought leadership & strategic thinking to solve business problems by leveraging techniques such as segmentation, optimization, advanced analytics and machine learning. Creates Consumer Credit Review report to summarize analysis and issues identified based on assessment on asset quality and credit risk management practices. This position will closely monitor performance of credit strategies and asset quality to ensure goals are met and course correct as necessary. Actively manages and escalates credit risk and safety and soundness issues within the day-to-day role to management.
**Responsibilities**:
Collaborates with cross-functional partners to understand their business needs, formulate and complete end-to-end analysis that includes data gathering, analysis, ongoing scaled deliverables and presentations. Facilitate implementation of work product and ensure accuracy. Establishes and maintains effective performance tracking; identifies improvement opportunity, form hypothesis, propose, design and implement tests to drive strategy enhancement and optimization.
Leads the development and implementation of advanced analytics including customer segmentation, optimization, prescriptive analytics, and machine learning algorithm & recommendation to solve business problems. Lead the development of Analytical capabilities with the aim of creating long-term strategic data/analytics assets for the company.
Delivers effective presentations of findings and recommendations to multiple levels of leadership, creating visual displays of quantitative information.
Develops and automates reports, iteratively build and prototype dashboards to provide insights at scale, solving for analytical needs.
Consistently follows standard work processes and documentation requirements. Recommends improvement to work processes to increase efficiency while maintaining quality of work. Continuously improves technical and leadership skills through training and development.
Minimum Qualifications
**At a minimum, here’s what we need from you**:
Bachelor’s Degree in Analytics, Engineering, Statistics, or related field
6+ years of experience in Credit Risk, Fraud Risk, Marketing Analytics, Optimization, Operations Analytics, Modeling/Data Science, or related field.
Preferred Qualifications
**If we had our say, we’d also look for**:
Master’s Degree in Analytics, Engineering, Mathematics, Statistics, or related field
8+ years of experience in Credit Risk, Fraud Risk, Marketing Analytics, Optimization, Operations Analytics, or related field
**Compensation**: The base pay for this position generally ranges between $126,500.00 to $177,300.00. Additional incentives may be provided as part of a market competitive total compensation package. Factors, such as but not limited to, geographical location, relevant experience, education, and skill level may impact the pay for this position.
**Benefits**:
We also offer a range of benefits and programs based on eligibility. These benefits include:
Paid Parental Leave
Paid Time Off
401(k) Plan
Medical, Dental, Vision, & Health Savings Account
STD, Life, LTD and AD&D
Recognition Program
Education Assistance
Commuter Benefits
Family Support Programs
Employee Stock Purchase Plan
All Discover employees place our customers at the very center of our work. To deliver on our promises to our customers, each of us contribute every day to a culture that values compliance and risk management.
Discover is committed to a diverse and inclusive workplace. Discover is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status, or other legally protected status. (Know Your Rights & Pay Transparency Nondiscrimination Provision)
