Data Science Manager- Pricing Profitability

Citizens • Newark, DE • 2d ago

Description

The Data Science Manger for Profitability Modeling will leverage a strong background in business economics, Statistics, and technology development to deliver models that forecast business performance based on customer data, macro factors and treatment effects for all consumer lending products. The successful candidate will be intellectually curious, and delivery focused, aligning priorities across multiple stakeholders to mathematically model causal relationships that are explainable to business leaders and allow for differentiated decision making across the consumer lending organization.

Primary Responsibilities:

Perform or lead the performance of exploratory data analysis to understand relationships and opportunities to influence outcomes, while being able to quickly iterate common feature transformation and model @types to find the best predictive models

Develop and document proofs of concept to verify your ideas, including counterfactual explanations for interpretability

Work closely with Line of Business to make sure that the proposed solution is performing as it should and is correctly understood

Support model validation and model back testing

Identify opportunities to apply the latest advancements in pricing theory and ML/AI modeling to build, test, and validate predictive models

Leverage expertise in both statistical modeling and business financial analysis to move past association and identify causal relationships

Actively mentor Data Scientists and Junior Data Scientists on good software practices

Develop and embed automated processes for predictive model validation, deployment, and implementation

Develop Pricing modeling pipelines and actively contribute high-quality, production-ready code

Support ad-hoc requests from the line of business by understanding, communicating, and managing model risks

Create and follow written risk and compliance policies, standards, and procedures for business activities

Qualifications

Required Skills/Experience

6+ years of industry experience leading the design, development, and deployment of pricing models

Experience being the technical lead for multiple project teams simultaneously

Previous experience mentoring, training, and developing junior members of the team; experience in employee performance reviews

Expert understanding of Python and other common languages and the ability to develop and maintain a flexible code base

Require experience building classic regression and ML models for Credit Cards

Extensive experience in financial modeling, loss forecasting, utilization, P&L and Cash flow analysis

Experience with cloud-based ecosystems, including managing on demand compute resources

Experience in an Agile working environment and related project management tools

Experience with version control practices and tools (Git, etc.)

Excellent written and verbal communication skills

Education

Master's Degree or higher in Statistics/Mathematics/Economics

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday - Friday

Hybrid: 4 days per week on site, 1 day remote

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

06/30/2026

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