Senior Data Scientist- Consumer Lending & Small Business

Key Skills

Java Programming, Python Programming, C++, C Programming, SQL, Apache Hadoop, Scala Programming, Machine learning techniques, Data science techniques, PyTorch, TensorFlow, MapReduce, R Programming

Job Description

Senior Data Scientist– Consumer Lending & Small Business

Boston, United States of America

WHAT YOU WILL BE DOING

Sr. Data Scientist– Consumer Lending & Small Business

The Sr. Data Scientist is an emerging leadership role and analytic partner to senior Strategy and Product leaders. You will lead and/or oversee analytic projects to support profitable growth and data-driven decision making in our fast-growing Consumer Lending and Small Business verticals.

This is an individual contributor role, partnering internally with business analysts, data scientists and data engineers to co-develop new capabilities, support key business strategies and initiatives, design or enhance predictive models and improve automation.

In this role, you can expect to:

• Provide analytics support across lifecycle initiatives: originations, line management, portfolio/customer performance and risk management, capital risk management, and collections & recovery
• Build robust business cases and product / business strategy proposals leveraging your knowledge of value-based optimization, credit decisioning and portfolio risk to assess returns
• Proactively research opportunities for profitable growth and engages the right technical and/or business partners to develop meaningful action plans ensuring compliance with all policies, laws and regulations.
• Develop predictive analytics, customer segmentation approaches and hypothesis-driven data deliverables for continuous process and business optimization

• Influence executives and business partners with compelling narratives and dashboards reporting
• Drive test and learn agendas and employ problem solving frameworks and big-picture thinking to translate both ambiguous and tactical business queries into analytical deliverables, aligned to strategic goals
• Partner closely with data scientists and data engineers to analyze complex data from disparate systems, implement analytics solutions and evangelize data best practices

Requirements:

• Master's Degree in a quantitative field (Computer Science, Data Science, Business Analytics, Statistics or similar)
• 5-7 years progressive experience with data mining/advanced analytics applied to large-scale data-intensive projects; Prior experience with Retail Banking, in a role supporting Consumer Lending or Small Business preferred
• Demonstrated experience with data exploration, hypothesis creation, algorithm testing, and scaling to large datasets
• Proficient using SQL, SAS and one other programming language (Python, R etc) and ability to adapt to various programming languages and environments
• Ability to conceptualize and execute analytical work based on broad business objectives, build strategic and analytical frameworks and articulate business impact
• Advanced knowledge of and breadth of analytic methodologies - statistics & machine learning - e.g. linear and non-linear regression, logistic regression, clustering (k-means, EM, Mean-shift), classification algorithms, decision trees, ensembles (bagging, boosting, rand)
• Ability to work with large scale data to derive insights through data analysis, optimization or risk classification algorithms and communicate results to Executives and non-technical audiences
• Individually motivated, strong business acumen and quantitative / problem-solving skills with a focus on delivery in a fast-paced environment.
• Excellent written and verbal communication skills and comfort partnering with leadership

Working Conditions:

• Frequently: Minimal physical effort such as sitting, standing, and walking.
• Occasional moving and lifting of equipment and furniture is required to support onsite and offsite meeting setup and teardown.
• Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

Employer’s Rights:

• This job description does not list all the duties of the job. You may be asked by your supervisors or managers to perform other duties. You will be evaluated in part based upon your performance of the tasks listed in this job description.
• The employer has the right to revise this job description at any time. This job description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.

At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply.

Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.