About this role
Citizens Financial Group is hiring a Data Science Manager to lead profitability modeling for consumer lending, forecasting business performance using customer data, macro factors, and treatment effects. The role emphasizes explainable causal modeling, model validation/back testing, and production deployment with automated pipelines, while mentoring data science staff.
Key Responsibilities
- Lead exploratory data analysis and iterative model development
- Develop proofs of concept with counterfactual explanations
- Perform model validation and model back testing
- Build pricing modeling pipelines and production-ready predictive model code
- Mentor data scientists and manage model risks with compliance policies
Technical Overview
The manager will lead exploratory data analysis, build regression and machine learning models for Credit Cards, and develop counterfactual explanations for interpretability. They will perform model validation and back testing, apply pricing theory with ML/AI modeling, and embed automated processes for predictive model validation, deployment, and implementation using Python and cloud-based ecosystems.
Ideal Candidate
The ideal candidate is a data science leader with 6+ years of experience leading the design, development, and deployment of pricing models, including Credit Cards. They are an expert in Python and machine learning/statistical modeling, with strong financial modeling skills (loss forecasting, utilization, P&L, and cash flow) and the ability to validate models through back testing and automated deployment pipelines.
Must-Have Skills
6+ years of industry experience leading the designdevelopmentand deployment of pricing modelsExperience being the technical lead for multiple project teams simultaneouslyExpert understanding of PythonBuilding classic regression and ML models for Credit CardsExtensive experience in financial modelingloss forecastingutilizationP&L and Cash flow analysisExperience with cloud-based ecosystemsincluding managing on demand compute resourcesExperience in an Agile working environmentExperience with version control practices and tools (Gitetc.)Excellent written and verbal communication skills
Nice-to-Have Skills
Counterfactual explanations for interpretabilityEmbed automated processes for predictive model validationdeploymentand implementationLeverage latest advancements in pricing theory and ML/AI modeling
Tools & Platforms
PythonGitAgileCredit Cards
Required Skills
Exploratory data analysisfeature transformationclassic regression modelsmachine learning (ML) modelscounterfactual explanationsmodel validationmodel back testingpricing theoryML/AI modelingcausal relationshipsstatistical modelingbusiness financial analysisloss forecastingutilizationP&Lcash flow analysisPythonAgileGitcloud-based ecosystemson demand compute resourcespredictive model validationpredictive model deploymentproduction-ready codeautomated processespricing modeling pipelinesmodel risksrisk and compliance policies
Hard Skills
Exploratory data analysisFeature transformationRegression modelsMachine learning modelsCounterfactual explanationsModel validationModel back testingPricing theoryMachine learning (ML) and artificial intelligence (AI) modelingCausal relationshipsStatistical modelingBusiness financial analysisLoss forecastingUtilization analysisProfit and Loss (P&L) analysisCash flow analysisPredictive model validationPredictive model deploymentPredictive model implementationAutomated processes for model validationProduction-ready codePricing modeling pipelinesPythonCredit Cards pricing modelsCloud-based ecosystemsOn demand compute resourcesAgile working environmentVersion control practicesGitModel risk managementRisk and compliance policiesstandardsand proceduresMathematical modelingTreatment effects modeling
Soft Skills
Intellectually curiousDelivery focusedAligning priorities across multiple stakeholdersMentoring data scientists and junior data scientistsWritten communicationVerbal communicationStakeholder managementAbility to explain models to business leadersUnderstanding and communicating model risks
Keywords for Your Resume
Data Science ManagerPricing ProfitabilityProfitability Modelingexploratory data analysisfeature transformationclassic regression modelsmachine learning (ML) modelsCredit Cardscounterfactual explanationsmodel validationmodel back testingpricing theoryML/AI modelingcausal relationshipsstatistical modelingbusiness financial analysisloss forecastingutilizationP&LCash flow analysispredictive model validationpredictive model deploymentpredictive model implementationpricing modeling pipelinesproduction-ready codeautomated processesmodel risksrisk and compliance policiesAgileGiton demand compute resourcesPythonPricing modelsmachine learning (ML)
Deal Breakers
Must have 6+ years leading the design, development, and deployment of pricing models, Must have expert Python experience, Must have experience building classic regression and ML models for Credit Cards, Must have extensive financial modeling experience including loss forecasting, utilization, P&L and Cash flow analysis
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