About The Position

We are looking for a seasoned, technically deep, and strategically minded leader to drive one of the most impactful analytics functions within our US Consumer Cards business. This role sits at the intersection of advanced data science, model governance, financial intelligence, and Generative AI — with end-to-end accountability across high-visibility initiatives that shape business strategy, regulatory standing, and customer outcomes at scale. You will lead a high-performing, multi-geography team, influence senior stakeholders across Marketing, Finance, Risk, Legal, and Technology, and deliver outcomes spanning revenue growth, expense savings, compliance transformation, and enterprise AI innovation.

Requirements

  • 10+ years in data science, quantitative analytics, or financial modeling within financial services
  • Expertise in credit card rewards economics, customer behavior modeling, or a related domain at the intersection of financial modeling and product strategy
  • Proven track record in model risk management, regulatory remediation, or formal model governance
  • Deep experience in financial forecasting, reserve modeling, or FP&A-aligned analytics
  • Experience with Generative AI and Large Language Models (LLMs) in applied business contexts
  • Strong background in credit risk, marketing analytics, or existing customer management
  • Experience with Model Risk Management, Fair Lending, and Compliance in a regulated financial institution
  • Advanced AI/ML proficiency — Generative AI, supervised/unsupervised learning, optimization, and time-series forecasting
  • Expertise in data engineering and big data platforms
  • Proficiency in Python, SQL, and data visualization tools
  • Familiarity with SDLC, version control (Bitbucket/GitHub), and JIRA
  • Knowledge of Deep Learning, Machine Learning, regression, decision trees, A/B testing, and business statistics
  • Knowledge of big data, distributed computing, Python, Spark, SQL, Excel, and MLOps
  • Knowledge of Generative AI, Retrieval-Augmented Generation (RAGs), Agentic AI, and Large Language Models (LLMs)
  • Knowledge of Model Risk Management frameworks, model accuracy metrics, ECOA, banking regulations, and Fair Lending rules; working knowledge of SR 11-7, SR 26-2, OCC AI guidance, CFPB, Fair Lending, and ECOA in the context of AI/ML model deployment within a regulated financial institution
  • Proven ability to lead and inspire distributed, cross-functional teams
  • Exceptional stakeholder management — able to engage, influence, and negotiate at the Managing Director level
  • Strong project management across complex, multi-workstream programs with regulatory and executive timelines
  • Ability to translate technical complexity into clear, compelling narratives for senior business audiences
  • Analytically creative problem-solver who thrives in ambiguous, high-stakes environments
  • Strong storyboarding, PowerPoint, and executive deck creation skills — able to distill complex analytical insights into crisp, board-ready presentations
  • Bachelor's degree in a quantitative discipline (Statistics, Mathematics, Computer Science, Engineering, or Economics) required

Nice To Haves

  • Master's degree or Ph.D. strongly preferred

Responsibilities

  • Lead and direct distributed teams of data scientists and analytics professionals across geographies — covering performance management, hiring, development, and budget oversight
  • Own the design, development, and governance of predictive models and ML solutions that inform business strategy and financial planning
  • Drive model risk remediation, including resolution of regulatory findings, credit bureau attribute gaps, and model redevelopment in compliance with Model Risk Policy
  • Develop advanced financial forecasting models with vintage-level granularity to support accurate multi-year product-level planning
  • Build and enhance reserve models that improve financial controls accuracy and reduce volatility
  • Leverage large, complex internal and external datasets using advanced statistical techniques, ML algorithms, and visualization tools to drive strategic decisions
  • Serve as Model Sponsor Delegate — accountable for formal model governance, sign-off, and oversight across a large model portfolio
  • Drive AI-led analytics solutions for key business problems — including Personalized Next Best Action decisioning engines, Campaign Analytics Platforms, and Conversational & Contextual Business Insights. Own the full AI solution lifecycle from concept to production
  • Partner with stakeholders across business and technology functions to architect, prototype, and deploy scalable AI solutions that deliver measurable business impact
  • Collaborate directly with business and technology teams to jointly develop high-impact AI solutions, combining technical expertise with business acumen to address complex, cross-functional challenges
  • Conceptualize AI-powered automation and tools that accelerate internal analytics workflows and drive productivity — creating innovative solutions that streamline processes and enhance analytical capabilities across the organization
  • Lead the evolution of AI-enhanced modeling techniques to accelerate development cycles and improve analytical precision
  • Operationalize AI governance standards ensuring model explainability, responsible deployment, regulatory compliance, and full adherence to Model Risk Management guidelines
  • Ensure teams partner with and follow control processes across Information Security, Platform Security, and Data Security while executing on next-generation re-engineering of business, data, and AI processes
  • Engage and influence multiple Managing Director–level stakeholders across Marketing, Finance, Technology, Model Risk Management, Fair Lending, and Legal
  • Ensure all analytical work adheres to applicable laws, regulations, fair lending obligations, and internal policy; proactively escalate and manage risk with full transparency
  • Work in partnership with business stakeholders and Analytics teams to identify, prioritize, and deliver high-impact AI solutions — building trusted partnerships that enable rapid alignment, efficient resource deployment, and direct impact on critical business needs
  • Establish and lead a specialized team equipped to deliver enterprise-grade AI solutions; recruit top talent, foster a culture of innovation and experimentation, and drive non-linear outcomes
  • Deliver value beyond arbitrage by establishing productivity and innovation measurement frameworks that track outcomes across business deliverables and team performance — aligned with senior leadership priorities

Benefits

  • medical, dental & vision coverage
  • 401(k)
  • life, accident, and disability insurance
  • wellness programs
  • paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
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