Decision Scientist - Cards and Consumer Payments
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About The Position
Acts as an individual contributor, providing project oversight and guidance to Decision Scientists, and supporting the Decision Science Director in executing against the objectives of assigned business group. Produces advanced analytic work for recommendations to support the Consumer Payments Product portfolio with a focus on credit card, risk, and optimization analytics. Provide detailed analytical insights and define techniques for Consumer Payments, including but not limited to: 1. Product profitability: understanding of key profitability metrics and ability to create product-level P&Ls 2. Customer segmentation: proficiency in segmentation techniques to identify spending behaviors, credit utilization, revenue / profit concentration, and demographic clusters 3. Funnel analytics: tracking performance across all touchpoints, from initial interest to conversion. 4. Risk analytics: Support the Credit Risk team to drive portfolio health, optimization, and credit risk strategies related to credit decision processes. 5. Decision modeling: experience in developing and optimizing decision models for credit card. Develop key analysis to grow exposure profitably including (but not limited) balance build programs, retention & exposure management. Optimize card and digital payment product strategies to increase engagement. Partner with Credit Analytics team and provide knowledge of consumer-lending best practices, to support the use of advanced statistical techniques and data sources that optimize the risk reward balance, improve client experience, and drive operational efficiencies. Identify strategic opportunities, synthesize data to craft compelling stories and present recommendations to senior management for decision making. Perform advanced data analytics and reporting of various credit card and digital payment products to extract value from business data. Perform large-scale experimentation and build data-driven models to answer business questions.
