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About the Role

We are seeking a Data Scientist to develop advanced analytical and machine learning solutions that support credit risk, fraud detection, marketing optimization, and customer segmentation. This role will leverage large-scale data to generate insights, improve decision-making, and drive measurable business impact across the organization.

Responsibilities

• Design, develop, validate, and deploy predictive and prescriptive models across financial products
• Apply machine learning, statistical, and optimization techniques to solve business challenges such as credit risk, fraud detection, pricing, and customer acquisition
• Ensure models are scalable, compliant, and deliver measurable impact
• Analyze large and complex datasets to identify patterns and extract meaningful features
• Improve model performance through data-driven insights
• Partner with data engineers, product teams, risk teams, and business stakeholders
• Translate business needs into data science solutions and communicate insights effectively
• Ensure models align with regulatory requirements and internal governance standards
• Support audit and validation processes
• Monitor model performance and implement enhancements or retraining
• Explore new tools, techniques, and approaches to improve outcomes
• Lead and support projects such as portfolio optimization and customer behavior analysis
• Collaborate across business lines including marketing, operations, and card services

Requirements

• 2+ years of experience in financial services, credit risk, fraud analytics, or marketing analytics
• 2+ years of experience applying data science to solve business problems
• Strong experience with SQL, Python, R, or similar analytical tools
• Ability to perform descriptive, diagnostic, predictive, and prescriptive analytics
• Strong problem-solving skills with the ability to translate data into actionable insights

Skills

• Python
• R
• SAS
• SQL
• Machine learning libraries
• Statistical modeling
• NLP
• Modern AI techniques (e.g., LLMs)
• Analytical thinking
• Ability to work with large datasets

Location

• Hybrid

Work Type

• Hybrid

Experience Level

• 2+ years

Education Level

• Bachelor’s degree in a quantitative field such as Computer Science, Data Science, Statistics, Mathematics, Economics, Finance, or Engineering
• Master’s or PhD in a related field is an asset

Salary/Compensations

• C$ 95,000 to C$ 105,000

Benefits

• Discretionary annual bonus
• Health and dental plans with 100% of the premiums covered
• Employee Assistance Program
• Retirement savings options
• Reimbursement for tuition assistance and professional development
• Discounts through Perkopolis
• Rewards and recognition programs

About the Company

• At Momentum Financial Services Group, we help people move forward by reimagining how money works for those who need it most.
• With more than 40 years of experience, we’re the team behind Money Mart—Canada’s largest non-bank branch network—and a leader in financial solutions for underserved communities.
• From short-term loans to money transfers and prepaid cards, we power the products, technology, and operations that connect over a million customers a year to the money they need, when they need it.
• At MFSG, we come together across teams and departments to create something bigger than ourselves: solutions that remove barriers and give people access to money they might not get anywhere else.
• Whether you're solving problems, building systems, or shaping strategy, your work fuels real support for real people.
• At MFSG, we are committed to building innovative solutions grounded in ethical, transparent, and responsible use of data and technology.
• Aligned with the principles outlined in Canada’s Artificial Intelligence and Data Act (AIDA), we take a proactive approach to ensuring that any AI or data-driven systems we use are safe, fair, and accountable.
• This posting is for a current position within our organization, offering the opportunity to contribute to meaningful, responsible innovation that supports our employees, clients, and communities.
• We prioritize strong data governance, clear communication around how systems work, and safeguards that reduce risks and protect individuals.
• Our focus is on developing tools and processes that promote equity, reliability, and trust, supported by ongoing monitoring and continuous improvement.
• Joining MFSG means contributing to a future-focused organization that values both innovation and integrity, where your work helps shape solutions that responsibly support our employees, clients, and communities.

Equal Opportunity

• MFSG is committed to accommodating applicants up to the point of undue hardship during the recruitment, assessment and selection process. If you are selected for an interview, please notify MFSG if you require accommodation in respect of the materials or procedures used at any time during this process. If you require accommodation, MFSG will work with you to determine how to meet your needs.