Bring impeccable communication and complete ownership — independently identifying opportunities, developing strong points of view, and influencing executives, Cards & Credit leaders, and cross-functional partners through clear, concise, and persuasive storytelling.
Develop a nuanced understanding of cardholder behavior and economics, helping teams reason about tradeoffs between growth, engagement, risk, and unit economics.
Define, own, and analyze metrics that inform both tactical decisions and long-term strategy across the cards and credit lifecycle (e.g., eligibility, activation, spend, utilization, rewards, retention, loss signals).
Design and evaluate experiments using rigorous statistical approaches, including A/B testing, cohort analysis, causal inference techniques, and trend analysis.
Build and improve data pipelines and tools to streamline data collection, processing, and analysis workflows, ensuring the integrity, reliability, and security of data assets.

7+ years of experience working with large datasets to drive product or business impact in data science or analytics roles.
Be fluent in SQL and comfortable with python.
Demonstrate strong judgment in defining and analyzing product metrics, running experiments, and translating ambiguous questions into structured analyses.
Operate with exceptional proactivity and independence — identifying opportunities, forming strong points of view, and making your case to stakeholders.
Be experienced with modern analytics and data modeling stacks (e.g., dbt, dimensional models), with a solid understanding of how data is produced and consumed.
Apply AI tools to accelerate analytical and business workflows, improving scalability, decision quality, and reducing manual or repetitive work across teams.
Nice to have: Experience working on cards or credit products, such as corporate cards, charge cards, consumer cards, or revolving credit products.

Senior Data Scientist – Cards and Credit

Key skills