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Job Summary

Under supervision and guidance, the Senior Associate - Data Scientist applies data science in advanced analytics such as predictive modeling, machine learning and data mining in a big data environment in order to deliver predictive models and insights. The Data Scientist, 2 produces insights that encompass the different product types and channels and maintain regulatory standards. The Data Scientist, 2 assists with ensuring accurate and timely implementation of solutions, quantifying the overall financial impact to the business, and communicating results.

Essential Job Functions

• Advanced Analytics – Under supervision, extracts/samples data, checks integrity, handles missing/outlier values, conducts EDA, applies clustering/factor analysis, engineers features, builds/tunes models (GLMs, trees, neural nets), validates and fixes issues (e.g., overfitting), estimates business impact, presents findings to manager, and supports implementation. - (40%)
• Collaboration & Communication –Under supervision, translates analytical results into recommendations for manager review. Demonstrates strong verbal and written communication with internal partners and when presenting findings. Builds foundational knowledge of credit card operations, banking, finance, loyalty, retail, and regulations. Collaborates with data scientists to share best practices. - (30%)
• Data Science innovation – with direction from manager, researches industry trends in data science of new tools, emerging algorithms, advanced platforms, and alternative data to enhance modeling effectiveness and efficiency. Conducts use case testing for new tools/techniques/platforms/data and provides user input/feedback. - (20%)
• Model Risk Management - Builds knowledge of model risks and regulatory needs; applies 1st line of defense controls to reduce risk in development; prepares governance documentation and archives data, scripts, and results; works with risk partners for validation/audits; completes remediation as required by governance process. - (10%)

Minimum Qualifications

• Bachelor’s Degree in Statistics, Mathematics, Engineering, Data Science, Economics, Computer Science, or another quantitative field
• 2-3 years of related work experience

Preferred Qualifications

• Master’s Degree hD in Statistics, Mathematics, Engineering, Data Science, Economics, Computer Science, or another quantitative fieldProfessional hands-on experience in developing statistical models/machine learning models and conducting data mining to solve business problems.
• Experience in extracting and processing large files/data sets. Experience interpreting model results and translating insights into business recommendations.

Skills

• Spark SQL
• Python (Programming Language)
• SAS/STAT
• Structured Query Language (SQL)
• Machine Learning (ML)
• Data Science
• Amazon Web Services (AWS)
• Data Analytics

Reports To: Supervisor and above

Direct Reports: 0

Work Environment

• Normal office environment, hybrid.

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

About Bread Financial®

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets and we’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled—both personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.

Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit or follow us on Instagram and LinkedIn.

• All job offers are contingent upon successful completion of credit and background checks.

• Bread Financial is an Equal Opportunity Employer.

Job Family:

Data and Analytics

Job Type:

Regular