Senior Data Scientist

CardWorks

. Develop, validate, and maintain predictive models supporting Credit Risk, Marketing, Balance/Revenue forecasting, Direct Mail Response, and account-level valuation domains .

Posted 9/15/2026full-timeUnited StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and validating predictive models and machine learning solutions, with a strong foundation in statistical modeling methodologies and advanced programming skills in Python, R, and SQL. Capable of communicating complex technical concepts effectively to both technical and non-technical stakeholders while ensuring compliance with regulatory standards.

Highest-signal resume keywords

Predictive Model DevelopmentMachine Learning SolutionsStatistical Modeling MethodologiesPython ProgrammingData Analysis

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Predictive ModelingMachine LearningStatistical TechniquesLogistic RegressionGeneralized Linear ModelsClusteringForecasting MethodsGradient BoostingRandom ForestsSQL

Soft Skills

Analytical SkillsProblem-SolvingCritical ThinkingCommunication SkillsCollaboration

Tools & Technologies

RPythonSQLAI TechnologiesLarge Language Models

Industry Keywords

Credit RiskFinancial ServicesRegulatory ComplianceModel GovernanceData Science

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Develop, validate, and maintain predictive models supporting Credit Risk, Marketing, Balance/Revenue forecasting, Direct Mail Response, and account-level valuation domains
Own the end-to-end model development lifecycle, including problem framing, conceptual design, data analysis, model construction, validation, documentation, deployment, and user enablement
Apply traditional statistical techniques, including logistic regression, generalized linear models, clustering, and forecasting methods
Design and implement machine learning solutions using gradient boosting, random forests, ensemble methods, and other advanced analytical approaches
Develop model monitoring frameworks covering performance, stability, fairness, and regulatory compliance
Investigate model performance issues, identify root causes, and recommend corrective actions
Perform complex data analysis and communicate insights, recommendations, and model performance to technical and non-technical audiences
Support model governance, validation, compliance reviews, and regulatory examinations through comprehensive documentation and transparent methodologies
Research, assess, and prototype emerging AI technologies, including large language models, retrieval-augmented generation (RAG), and generative AI applications
Partner with business stakeholders, technology teams, and senior leadership as a technical leader within the Data Science & Modeling organization

Requirements

What you’ll need

Bachelor's or Master’s degree in quantitative fields (e.g. Data Science, Statistics, Applied Mathematics, Computer Science, Machine Learning, Artificial Intelligence, Economics, Engineering, Operations Research, or a related field) is required
At least one (1) year of hands-on experience building predictive models, machine learning solutions, or advanced analytics applications in financial services or other highly regulated industries
Experience developing and deploying production-ready analytical solutions
Strong understanding of statistical modeling methodologies, including logistic regression, linear models, segmentation, forecasting, and model validation techniques
Strong expertise in machine learning algorithms and model development workflows
Advanced programming skills in Python, R, and SQL
Experience working with large and complex data sets
Strong analytical, problem-solving, and critical-thinking skills
Ability to communicate complex technical concepts to business stakeholders and executive leadership
Proven ability to work independently and collaboratively in cross-functional teams
Responsible for complying with all the Bank’s internal control policies and procedures
Responsible for understanding and complying with all laws and regulations to which the Bank is subject
Responsible for communicating operational problems, noncompliance, policy violations, or illegal acts
Travel is generally not required

Benefits

Comp & perks

Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
Benefits Package - Medical, Dental, and Vision (plus much more)
401(k) Plan with Company Match
Short- & Long-Term Disability
Wellness Programs
Group Life and AD&D Insurance
Paid Vacation, Sick Days and bank Holidays
Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition