Lead Data Scientist

Position Overview

The Data Scientist role at Bread Financial is responsible for generating data-driven insights and developing predictive and prescriptive models to support marketing and enterprise initiatives. This role leverages advanced analytics, AI/ML tools, and secure data-sharing environments to enhance decision-making and drive measurable business outcomes.

Key Responsibilities

• Lead the design, build, deployment, and periodic maintenance of AI solutions. (30%)
• Build strong relationships with internal business partners to deliver enterprise solutions. (20%)
• Establish and execute a framework for engaging enterprise partners when planning new AI solutions. (15%)
• Assist with documentation, compliance, model governance, and maintenance of AI solutions. (15%)
• Research advanced modeling and AI techniques to enhance predictive modeling and maintain industry knowledge. (10%)
• Train and mentor junior Data Scientists and lead projects as needed. (10%)

Required Qualifications

• Bachelor's Degree in Statistics, Mathematics, Engineering, Data Science, Computer Science, or Economics.
• 8+ years of experience building sophisticated models using machine learning, segmentation, time series, and other advanced analytics methodologies.

Preferred Qualifications

• Master's Degree or PhD in Statistics, Mathematics, Computer Science, Data Science, Engineering, Economics, or a related quantitative field.
• Advanced machine learning modeling and technical expertise in developing market differentiation data science products.
• Experience in bank card/credit card business, consulting, retail, marketing, loyalty, and/or financial services.

Benefits & Perks

• Compensation: Competitive salary ranges (e.g., California: $138,600–$272,900; Colorado: $120,500–$229,200; New York: $132,500–$272,900; and more). Base pay may depend on location, education, and experience.
• Comprehensive medical, prescription drug, dental, and vision coverage along with voluntary benefits including life insurance and disability plans.
• 401(k) Plan: Bread Financial offers a 401(k) plan with competitive company match.
• Six weeks of 100% paid parental leave after a 180-day waiting period, 11 paid holidays, and a Flexible Time Off (FTO) program along with Paid Sick and Safe Time.
• Opportunity to participate in company stock purchase offerings and eligibility for an annual incentive bonus based on performance.