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About the Role

The Bank AI/ML team is seeking a Senior Data Scientist to translate business problems into applied statistical, machine learning, simulation, and optimization solutions. This role will advise actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. You will collaborate with engineering partners to deliver solutions at scale and enable customer-facing applications, leveraging database, cloud, and programming knowledge to build analytical modeling solutions. You will also collaborate with other data scientists to improve USAA’s tooling and works with model risk management to validate model results and stability before production deployment.

Responsibilities

Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions.
Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and value.
Selects appropriate modeling techniques and technologies considering data limitations, application, and business needs.
Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework.
Composes technical documents for knowledge persistence, risk management, and technical review.
Assesses business needs to propose and recommend analytical and modeling projects.
Works with business and analytics leaders to prioritize analytics and modeling problems/research efforts.
Builds and maintains a robust library of reusable, production-quality algorithms and supporting code.
Translates complex business requests into specific analytical questions, executes analysis/modeling, and communicates outcomes to non-technical colleagues.
Manages project milestones, risks, and impediments, escalating potential issues.
Develops best practices for engaging with Data Engineering and IT to deploy production-ready analytical assets.
Maintains expertise and awareness of cutting-edge techniques, actively seeking learning opportunities.
Serves as a mentor to junior data scientists in modeling, analytics, and computer science tasks.
Participates in internal communities that drive the maintenance and transformation of data science technologies and culture.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.

Requirements

Bachelor’s degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline; OR 4 years of experience in statistics, mathematics, quantitative analytics, or related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
6 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master’s, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 4 years of experience in predictive analytics or data analysis.
4 years of experience in training and validating statistical, physical, machine learning, and other advanced analytics models.
4 years of experience in one or more dynamic scripted language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models.
Proven experience writing code that is easy to follow, well documented, and commented where necessary to explain logic (high code transparency).
Strong experience in querying and preprocessing data from structured and/or unstructured databases using query languages such as SQL, HQL, NoSQL, etc.
Strong experience in working with structured, semi-structured, and unstructured data files such as delimited numeric data files, JSON/XML files, and/or text documents, images, etc.
Demonstrated skill in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics.
Ability to assess and articulate regulatory implications and expectations of distinct modeling efforts.
Advanced experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic regression, discriminant analysis, support vector machines, decision trees, forest models, etc.
Advanced experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc.
Experience guiding and mentoring junior technical staff in business interactions and model building.
Experience communicating analytical and modeling results to non-technical business partners with emphasis on business recommendations and actionable applications of results.

Skills

Model development for credit risk, marketing, or everyday banking
Statistical modeling
Machine learning
Simulation
Optimization
Database knowledge
Cloud knowledge
Programming knowledge
Python
R
SQL
HQL
NoSQL
JSON
XML
SAS

Location

Remote eligible in the continental U.S.
On-site (within 60-mile radius of a USAA office)

Work Type

Remote
Hybrid
On-site

Experience Level

Senior
6 years of experience in predictive analytics or data analysis
4 years of experience in training and validating statistical, physical, machine learning, and other advanced analytics models
4 years of experience in one or more dynamic scripted language (such as Python, R, etc.)
4 years of experience in querying and preprocessing data
Advanced experience with supervised modeling
Advanced experience with unsupervised modeling

Education Level

Bachelor’s degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline
Advanced Degree (e.g., Master’s, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline

Salary/Compensations

$143,320 - $273,930

Benefits

Comprehensive medical, dental and vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off program with paid holidays
16 paid volunteer hours
Various wellness programs
Career path planning
Continuing education

About the Company

USAA's mission is to empower members to achieve financial security through highly competitive products, exceptional service and trusted advice.
USAA seeks to be the #1 choice for the military community and their families.
USAA's core values are honesty, integrity, loyalty and service.
USAA is proud to support active-duty military spouses.
USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

Equal Opportunity

USAA is an Equal Opportunity Employer.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.