Data Scientist 2

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Job Summary

Under supervision and guidance, the Data Scientist, 2 applies data science in advanced analytics such as predictive modeling and data mining in a big data environment in order to deliver predictive models and insights. The Data Scientist, 2 produces insights that encompass the different product types and channels and maintain regulatory standards. The Data Scientist, 2 assists with ensuring accurate and timely implementation of solutions, quantifying the overall financial impact to the business, and communicating results.

Essential Job Functions:- Collaboration - under supervision and guidance, translates analytical results into useful recommendations for review with manager. Demonstrates strong verbal and written communication skills when working with internal partners and when presenting results to various audiences. Develops foundational knowledge of credit card operations, banking, financial, loyalty rewards, retail, and credit card regulations while working with the business. Collaborates with other data scientists in the company to share best practices and data science innovations.- Data Science innovation - with direction from leader, researches industry trends in data science of new tools, emerging algorithms, advanced platforms, and alternative data to enhance modeling effectiveness and efficiency. Conducts use case testing for new tools/techniques/platforms/data and provides user input/feedback.- Model Risk Management - develops foundational knowledge on common model risks and related regulatory requirements; applies proper 1st line of defense controls during model development process to minimize model risk; creates comprehensive model governance documentation and archives model data, scripts, and results; collaborates with model risk management partners to complete model validation/auditing; completes remediation as required by model governance process.

Reports To:
- Manager or higher

Direct Reports:
- None

Working Conditions/ Physical Requirements:
- Normal Office Environment.

Minimum Qualifications:
- Education Required: Bachelor’s Degree in Statistics, Mathematics, Engineering, Data Science, Economics, Computer Science, or another quantitative field- 2 to 5 years of related work experience

Preferred Qualifications:
- Education: Master’s Degree, PhD in Statistics, Mathematics, Engineering, Data Science, Economics, Computer Science, or another quantitative field- 3 or more years of professional hands-on experience in developing statistical models/machine learning models and conducting data mining to solve business problems. Experience in extracting and processing large files/data sets. Experience interpreting model results and translating insights into business recommendations.

Knowledge, Skills and Abilities: should align with qualifications- Financial Services- Spark SQL- MicroStrategy- R Programming- Python- SAS- Structured Query Language (SQL)- PowerPoint Presentations- Pivot Tables- Machine Learning- Data Science- Predictive Modeling- Data Mining- Statistical Concepts- Data Analytics

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

About Bread Financial

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets and we’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled—both personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.
- Bread Financial®

(NYSE: BFH) is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and
- Bread Pay®

buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded
- Bread Cashback® American Express® Credit Card

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- Bread Rewa