What you’ll do: 

• Design, develop, and deploy machine learning models to optimize customer acquisition, onboarding, and lifecycle engagement across financial products (e.g., loans, credit cards, money, invest, crypto and etc).
• Build predictive models for critical business outcomes, including Customer Lifetime Value (LTV), conversion propensity, cross-sell/upsell effectiveness, and retention across various channels (e.g., direct mail, email, in-app, Operations).
• Leverage structured and unstructured data (e.g., behavioral signals, transaction data, credit attributes) to drive audience segmentation and personalization at scale. Develop and maintain a robust feature store to accelerate the end-to-end model development lifecycle.
• Build experimentation frameworks to support A/B testing and measure the incremental business impact of the models. Work with the other team members to incorporate the models in marketing/campaign strategies.
• Collaborate with Fair Lending (FL) and Model Risk Management (MRM) to ensure the models and targeting strategies adhere to fair lending laws, privacy regulations, and responsible marketing practices.
• Support the efficient scoring and implementation of models through both real-time and batch processes, ensuring the timely availability of scores for marketing execution and deep analytics.
• Monitor model performance with a focus on business outcomes (conversion, retention, revenue, risk-adjusted returns) and continuously iterate based on insights.
• Partner closely with team members within MDS and key business stakeholders on defining business requirements, prioritizing the model pipeline, providing development updates, and monitoring performance.
• Stay at the forefront of modeling, data, and AI innovations to support scalable marketing growth in financial services.

What you’ll need:

• Bachelor’s degree in Computer Science, Math, Physics, Engineering, or a quantitative field required; Master’s degree preferred.
• 8+ years of experience in machine learning, data science or applied AI, ideally in marketing, fintech, or consumer tech.
• Strong proficiency in Python, SQL, and ML frameworks (scikit-learn, PyTorch, TensorFlow).
• Familiarity with ML governance, model monitoring, and compliance frameworks (MRM, Fair Lending, etc.) is a plus.
• Experience with LLMs, prompt engineering, and AI application development preferred.
• Demonstrated experience with experimentation and hypothesis testing.
• High intellectual curiosity and a quick learner of new technical skills.
• Ability to initiate and drive projects independently to completion, and ability to clearly communicate technical information to diverse audiences.
• Strong relationship-building and collaborative skills.
• Ability to thrive in a dynamic, cross-functional environment with keen attention to detail. 
• Are you interested in this position?

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