Credit Risk Data Science Jobs in Utah (NOW HIRING)

Our Purpose
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Senior Data Scientist
Who is Mastercard?
As a global technology company our mission at Mastercard is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.
Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
Overview
Our International, Open Banking, Product Value Proposition Team is looking for a Senior Data Scientist to develop and drive forward Mastercard's ambitious, data-driven open banking solutions, through the skillful application of data science and a highly customer centric focus. The ideal candidate is motivated, intellectually curious, technically excellent, a great communicator and someone who will enjoy helping us build out our data science team and capabilities.
Role
As an individual contributor working within a growing data science team, you will take responsibility for developing market leading, innovative, analytical open banking solutions. Focused in the first instance on affordability/credit decisioning and identity/income verification use cases, you will help empower consumers and drive value creation across our client base.
Specifically in this position, you will:
1. In pursuit of highly valued, market leading, solutions and insights, apply a range of problem appropriate data science techniques to large data sets, from development to deployment support.
2. Work closely with data engineers and developers to build and deploy interactive dashboards, providing the best, most engaging insights and UX for our clients.
3. Communicate effectively with clients and stakeholders, ensuring their requirements are fully understood and met.
4. Conduct effective customer trials to grow our open banking impact, supporting data specification, data processing/analysis and result generation/presentation.
5. Be highly proactive in pursuit of product excellence. For example, by investigating/proposing new data sources, encouraging cross team working, managing projects to agreed schedules and looking to utilise new tools and techniques.
6. Help to develop, implement and honour effective, engaging team methods to support rapid prototyping, reproducibility, productivity, automation, and appropriate data governance.
7. Engage with the wider Mastercard data science community, sharing best practice, knowledge, and insights, in support of collaborative, fulfilling work and value creation.
All About You:
• An undergraduate degree or higher in Computer Science, Data Science, Econometrics, Mathematics, Statistics, or similar field of study.
• Multi-project, hands-on experience of the end-to-end data science process in relation to large, complex data. From problem framing to results communication and solution deployment, you will be able to demonstrate having played a key part in a range of successfully delivered projects.
• Real world experience of developing and deploying interactive dashboards based on Plotly's Dash framework.
• Workplace Python coding experience, including a good knowledge of the principal Python Data Science / Machine Learning (ML) library ecosystem.
• Excellent written and oral communication skills for both technical & non-technical audiences.
• Highly engaged, evidenced through specific examples of collaboration, effective teamwork, successful independent work, and continued professional development.
• Commercial, experience of successfully utilizing time series and natural language processing (NLP - especially in relation to topic modelling and named entity recognition) methods. A good working knowledge of supervised and un-supervised techniques is presumed.
• Practical knowledge/experience of solution deployment (data science pipelines, MLOps frameworks and libraries etc.).
• Experience of working in financial services with respect to consumer and/or business lending.
Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact reasonable_accommodation@mastercard.com and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard's security policies and practices;
• Ensure the confidentiality and integrity of the information being accessed;
• Report any suspected information security violation or breach, and
• Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.

In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Mastercard benefits for interns generally include: 56 hours of Paid Sick and Safe Time; jury duty leave; and on-site fitness facilities in some locations.
Pay Ranges
Salt Lake City, Utah: $115,000 - $184,000 USD