✦ Luna Orbit — Data & Analytics

Senior Associate, Data Scientist - Cash Flow Underwriting

at Discover Financial Services

📍 3 Locations Unknown 💰 $123K – $140K USD / year Posted March 14, 2026
Salary $123K – $140K USD / year
Type Not Specified
Experience mid
Exp. Years Not specified
Education Not specified
Category Data & Analytics

This role involves developing machine learning models to assess credit risk and customer behavior by transforming raw banking data into actionable insights. The candidate will work with large datasets and advanced analytics tools.

  • Partner with cross-functional teams to develop models
  • Transform raw banking data into features
  • Build and validate machine learning models
  • Leverage cloud technologies for data processing
  • Forecast creditworthiness and customer behavior

Utilizes Python, AWS, Spark, H2O, and statistical techniques to build predictive models, perform data transformation, and analyze financial data for risk assessment.

The ideal candidate is a mid-level data scientist with strong experience in machine learning, statistical modeling, and data transformation using Python and cloud platforms like AWS. They should have a solid understanding of risk modeling and financial data analysis.

PythonMachine LearningData ScienceStatistical ModelingData TransformationFeature Engineering
AWSSparkH2ODeep LearningTime SeriesClusteringClassificationSentiment Analysis
PythonCondaAWSH2OSpark
PythonMachine LearningStatistical ModelingData TransformationFeature EngineeringDeep LearningSparkH2ORisk ModelingData Analysis
PythonCondaAWS (Amazon Web Services)H2OSparkMachine LearningStatistical ModelingData EngineeringText AnalyticsRisk ModelingCustomer DataData TransformationFeature EngineeringDeep LearningClusteringClassificationTime Series
Analytical thinkingProblem solvingCollaborationCommunicationCreativityInnovationInterpersonal skills
Industry Financial Services / Fintech
Job Function Data science and risk modeling in financial services
Role Subtype Data Scientist
Tech Domains Python, Amazon Web Services, Spark, H2O
Data ScientistMachine LearningStatistical ModelingPythonAWSAmazon Web ServicesSparkH2OData TransformationFeature EngineeringDeep LearningClusteringClassificationTime SeriesRisk ModelingData EngineeringText AnalyticsData AnalysisData Science SolutionsFinancial DataData Science

Lack of experience with Python or machine learning, No background in financial data analysis, No experience with AWS or cloud platforms, Insufficient data science or statistical modeling skills

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