Lead Data Science Analyst (Credit Risk - Home Loans Servicing)

Discover. A brighter future.
With us, you'll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it - we want you to grow and make a difference at one of the world's leading digital banking and payments companies. We value what makes you unique so that you have an opportunity to shine.
Come build your future, while being the reason millions of people find a brighter financial future with Discover.
Job Description:
What You'll Do
Responsible for working closely with management to execute analytical initiatives. Responsible for solving business problem by leveraging techniques such as segmentation, optimization, advanced analytics and machine learning. Creates reports and dashboards to closely monitor performance metrics and provide insights.
Actively manages and escalates risk and customer-impacting issues within the day-to-day role to management.
Responsible for analyzing and reporting trends and creating strategies as it relates to Discover Home Loan Acquisition activities including collections, loss mitigation, foreclosure and loss analysis.
How You'll Do It:

• Hands on experience and understanding of Mortgage Servicing including collections, loss mitigation, foreclosure and loss analysis.
• Leads the development and implementation of advanced analytics including customer segmentation, optimization, prescriptive analytics and machine learning algorithm & recommendation to solve business problems. Operates as a subject matter expert on statistical analysis, test and design of experiment, analysis methodology, modeling & application, and financial impact analysis.
• Collaborates with cross-functional partners to understand their business needs, formulate and complete end-to-end analysis that includes data gathering, analysis, ongoing scaled deliverables and presentations. Delivers effective presentations of findings and recommendations to multiple levels of leadership, creating visual displays of quantitative information.
• Establishes and maintains effective performance tracking; identify improvement opportunity, form hypothesis, proposes, designs and implements tests to drive strategy enhancement and optimization.
• Manages multiple priorities, communicate business performance and project progress to management & business partners.
• Develops and automates reports, iteratively build and prototype dashboards to provide insights at scale, solving for analytical needs. Facilitates implementation of work product and ensure accuracy.
• Consistently follows standard work processes and documentation requirements. Recommends improvement to work processes to increase efficiency while maintaining quality of work. Continuously improves technical and leadership skills through training and development.

Qualifications You'll Need
The Basics

• Bachelor's in Analytics, Engineering, Statistics or related field.
• 4+ Years of experience in Credit Risk, Fraud Risk , Marketing Analytics, Optimization, Operations Analytics, Modeling/Data Science or related.

Physical And Cognitive Responsibilities:
The physical requirements described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable a qualified individual with disabilities to perform the essential functions of the position as required by federal, state, and local laws:

• Primarily remain in a stationary position.
• No required movement about the work environment to complete the major responsibilities of the job.
• Primarily performed indoors in an office setting.
• Ability to operate office equipment such as but not limited to computer, telephone, printer, and calculator.
• Ability to communicate verbally.; Ability to communicate in written form.

Discover will not sponsor or transfer employment work visas for this position. Applicants must be currently authorized to work in the United States on a full-time basis.
#Remote
#LI-RD
Application Deadline:
The application window for this position is anticipated to close on Dec-14-2024. We encourage you to apply as soon as possible. The posting may be available past this date, but it is not guaranteed.
Compensation:
The base pay for this position generally ranges between $105,500.00 to $147,100.00. Additional incentives may be provided as part of a market competitive total compensation package. Factors, such as but not limited to, geographical location, relevant experience, education, and skill level may impact the pay for this position.
Benefits:
We also offer a range of benefits and programs based on eligibility. These benefits include:

• Paid Parental Leave
• Paid Time Off
• 401(k) Plan
• Medical, Dental, Vision, & Health Savings Account
• STD, Life, LTD and AD&D
• Recognition Program
• Education Assistance
• Commuter Benefits
• Family Support Programs
• Employee Stock Purchase Plan

Learn more at mydiscoverbenefits.com .
What are you waiting for? Apply today!
All Discover employees place our customers at the very center of our work. To deliver on our promises to our customers, each of us contribute every day to a culture that values compliance and risk management.
Discover is committed to a diverse and inclusive workplace. Discover is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veteran status, or other legally protected status. (Know Your Rights & Pay Transparency Nondiscrimination Provision)
Discover complies with federal, state, and local laws applicable to qualified individuals with disabilities and is committed to providing reasonable accommodations. If you require a reasonable accommodation to search for a position, to complete an application, and/or to participate in an interview, please email [email protected] . Any information you provide regarding your accommodation needs will be kept confidential and will only be used to determine and provide necessary accommodation.