Data Scientist - Credit Risk (ATH 5531)

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Department Overview The Retail Risk Management Credit Cards & Personal Lending Strategy team develops and manages credit strategies that drive customer and business outcomes. We combine analytics, strategic thinking, and stakeholder influence to balance growth, profitability, customer experience, and risk appetite. We don't stop at generating insights. We ask "So what?" and "Why should we care?", then turn those insights into actions that shape portfolio performance. Along the way, we leverage modern analytics and AI-enabled tools to improve productivity, accelerate insights, and focus on higher-value strategic decisions.

Reporting to the Senior Manager, Credit Strategy, you'll support the MBNA and other credit card portfolios by combining analytics, strategic thinking, and stakeholder collaboration to solve business problems and drive meaningful outcomes. You'll work across Product, Fraud, Technology, Operations, and Model Development to drive business growth.   Around here, finding an insight is just the start. The real value comes from answering "So what?" and "Why should we care?", building support for an idea, and helping turn it into action. Because finding an insight is interesting. Turning it into a business outcome is where the fun starts.

Own a portfolio, strategy, or business problem area end-to-end. Become the trusted expert, understand where it's headed, and challenge how it's done today. Use data, analytics, and business insight to identify opportunities, improve credit strategies and customer outcomes, and answer not just "what happened?", but "so what?" and "what should we do about it?" Design, implement, monitor, and optimize credit strategies that balance growth, customer experience, profitability, and risk appetite. Influence decisions, build stakeholder support, and drive alignment across Product, Model Development, Fraud, Technology, Operations, and senior leadership. Challenge assumptions, ask tough questions, and provide effective challenge on portfolio performance, emerging risks, and strategic initiatives. Translate complex data into clear, compelling recommendations that drive action and influence executive decision-making. Monitor portfolio performance, identify emerging opportunities and risks, evaluate new models, tools, and capabilities, and recommend actions to improve credit decisioning and portfolio outcomes. Leverage modern analytics and AI-enabled tools to improve efficiency, accelerate insights, and support strategic decision-making.   What Makes Someone Successful in This Role You have an ownership mindset. You treat your portfolio like it's your business, not just your assignment, and take pride in making it stronger over time. You're naturally curious and aren't afraid to ask "why?" more than once. You enjoy connecting dots across data, business objectives, stakeholder perspectives, and customer outcomes. You're equally comfortable working with data, senior leaders, and skeptical stakeholders. You don't stop when you've found an interesting insight.