Principal Data Scientist (US)

TD Bank•Southfield, MI

13d•Onsite

About The Position

The Principal Data Scientist is responsible for collecting data and using a wide range of data science techniques, including but not limited to data wrangling, profiling and visualization, statistical inference, to uncover actionable insights or build analytics solutions that guide decision making and strategic planning. In addition, the Principal Data Scientist provides technical expertise with a focus on bank and industry-wide solutions that addresses capability gaps to create opportunities for significant value for customers. Own end-to-end decisioning and pricing optimization engine, use large-scale historical and market data to form hypotheses, conduct analyses, develop machine learning models, evaluate and implement model and drive business decisions Analyze large-scale data and apply statistical models to recommend insights and solve business objectives Collaborate with business partners to identify and refine business strategies, analyze alternative deal structures and deliver business P&L expectations Stay up to date on industry trends and optimization methodologies in auto finance markets

Requirements

Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science)
Graduate's degree preferred with either progressive project work experience, or; 10+ year of relevant experience; higher degree education and research tenure can be counted
Uses a wide range of programing languages (e.g. Python) and techniques for extracting and preparing data, applying statistics and various advanced analytics, along with business acumen to extract insights from the big data
Visualizes insights from the data to tell and illustrate stories that clearly convey the meaning of results to decision-makers and stakeholders at every level of technical understanding
Collaborates with other partners, such as data and business analysts, software engineers, data engineers, and application developers to develop scalable and sustainable data science solutions that retains long term benefit to the business
Provides deep technical leadership and expertise to support and define future direction in one or more specialized areas or leads strategic development efforts on new or emerging data science related projects
Plays a lead role on cross functional teams of data scientists, data analysts, data engineers, and business process owners to build cutting edge analytic solutions
Provides analytical thought leadership and stays current on developments in data mining and the application of data science
Provides thought leadership and/or broad industry knowledge across multiple business/functional areas or across the enterprise
Applies industry/analytical expertise to provide innovative and sound solutions that increases business results and/or minimizes risk
Identifies new analytical trends/data needs and repeatable analytic solutions and works with stakeholders to generate hypothesis and creates analytical models that help answer impactful business questions
Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk activities as necessary
Accountable for creating and implementing processes and systems to extract knowledge or insights from data of various forms either structured or unstructured
Employs techniques and theories drawn on many fields within the broad areas of mathematics and statistics
Adheres to enterprise frameworks or methodologies that relates to activities for business area
Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
Leads/facilitates and/or implements action/remediation plans to address performance/risk/governance issues
Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
Participates in personal performance management and development activities, including cross training within own team
Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
Contributes to a fair, positive and equitable environment that supports a diverse workforce
Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment - Continuous
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous

Nice To Haves

Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science)
Graduate's degree preferred with either progressive project work experience, or; 10+ year of relevant experience; higher degree education and research tenure can be counted

Responsibilities

Own end-to-end decisioning and pricing optimization engine, use large-scale historical and market data to form hypotheses, conduct analyses, develop machine learning models, evaluate and implement model and drive business decisions
Analyze large-scale data and apply statistical models to recommend insights and solve business objectives
Collaborate with business partners to identify and refine business strategies, analyze alternative deal structures and deliver business P&L expectations
Stay up to date on industry trends and optimization methodologies in auto finance markets
Delivers advanced analytical capabilities above and beyond existing methods
Exceptionally leads and runs analytical projects autonomously and creates and effectively delivers analytical presentations for executive audiences/stakeholders
Showcases advance level peer leadership, impacts and influences partner, and may mentor/coach peers
Acts as a key business partner, guides and collaborates with business leaders to prioritize and identify key business needs and provides impactful analytical insights
Leads authority on Data Science concepts, principals, practices and standards
Sets the direction and oversees the work of other Data Science professionals on complex, highly visible projects of significant profile, strategic importance, and enterprise impact to the bank
Provides consultative and strategic guidance to executive leadership
Principal Data Science assigned to work autonomously on high profile, complex and high-risk technology initiatives with significant impact to the organization
Primarily works at the enterprise level
Works closely with business owners to identify opportunities and serves as an ambassador for data science
Is familiar with the business context and data infrastructure and can translate business problems to viable data science solutions
Uses a wide range of programing languages (e.g. Python) and techniques for extracting and preparing data, applying statistics and various advanced analytics, along with business acumen to extract insights from the big data
Visualizes insights from the data to tell and illustrate stories that clearly convey the meaning of results to decision-makers and stakeholders at every level of technical understanding
Collaborates with other partners, such as data and business analysts, software engineers, data engineers, and application developers to develop scalable and sustainable data science solutions that retains long term benefit to the business
Provides deep technical leadership and expertise to support and define future direction in one or more specialized areas or leads strategic development efforts on new or emerging data science related projects
Plays a lead role on cross functional teams of data scientists, data analysts, data engineers, and business process owners to build cutting edge analytic solutions
Provides analytical thought leadership and stays current on developments in data mining and the application of data science
Provides thought leadership and/or broad industry knowledge across multiple business/functional areas or across the enterprise
Applies industry/analytical expertise to provide innovative and sound solutions that increases business results and/or minimizes risk
Identifies new analytical trends/data needs and repeatable analytic solutions and works with stakeholders to generate hypothesis and creates analytical models that help answer impactful business questions
Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk activities as necessary
Accountable for creating and implementing processes and systems to extract knowledge or insights from data of various forms either structured or unstructured
Employs techniques and theories drawn on many fields within the broad areas of mathematics and statistics
Adheres to enterprise frameworks or methodologies that relates to activities for business area
Participates in cross-functional/enterprise initiatives as a subject matter expert helping to identify risk/provide guidance for complex situations
Leads/facilitates and/or implements action/remediation plans to address performance/risk/governance issues
Actively manages relationships within and across various business lines, corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
Participates in personal performance management and development activities, including cross training within own team
Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices
Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships
Contributes to a fair, positive and equitable environment that supports a diverse workforce
Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally