Join our mission to create a completely new, 100% digital bank that uses consumer feedback to truly meet customers’ best interests. Jenius Bank, a division of SMBC MANUBANK, and a member of SMBC Group, is being built by a close-knit and fun-loving team of financial services professionals and technology experts who came together for the challenge of building a full-service digital bank from scratch. We’re committed to doing it the right way for the customer and are growing rapidly. To learn more about our relationship to our parent company, visit our website. The anticipated salary range for this role is between $158,000.00 and $198,000.00. The specific salary offered to an applicant will be based on their individual qualification, experiences, and analysis of current compensation paid in their geography and the market for similar roles at time of hire. The role may also be eligible for an annual discretionary incentive award. In addition to cash compensation, SMBC MANUBANK offers a competitive portfolio of benefits to its employees. . Jenius Bank is strategically scaling up a portfolio of products and building extraordinary experiences. In 2023, we launched our first two products reaching $1 billion in deposits and over $700 million in loans, all before Jenius Bank’s first anniversary. We don’t plan to slow down, with ambitious growth plans and the capital necessary to execute a multi-year strategic plan. We have a start-up mindset paired with SMBC Group’s 400 years of history. SMBC Group has more than 150 offices and 86,000 employees worldwide in nearly 40 countries and is committed to creating new business to better serve customers in the rapidly evolving digital environment. Join us on the journey that has caught the attention of the Banking Dive, and more to reinvent banking where smarter banking translates to a richer life. **SUMMARY:** Data Science Lead will enhance our Credit risk Data Science function, playing a pivotal role in shaping the future of data science and risk management in a dynamic, cross-collaborative environment at Jenius Bank. The ideal candidate will have a strong background in the consumer financial services industry with a focus in developing Credit risk models and data driven strategies, using bureau and alternative data. You will analyze the data and propose business use cases for risk in collaboration with Credit, Product, Fraud and compliance teams and develop models or data driven insights and strategies using ML or/and traditional statistical methodologies. Data Science lead will drive full lifecycle of compliant model development and approval process at the bank. **PRINCIPAL DUTIES AND RESPONSIBILTIES:** + Build and deliver advanced models for credit underwriting, account management and collections, utilizing both traditional credit bureau data and alternative sources such as bank transactional data, and employment data + Develop model documentation and lead the approval process with Model Validation, second line and regulators. + Work closely with Risk, Engineering, Product, Compliance and Analytics leadership to chart the roadmap for core risk decision-making and strategy, collaborating with cross-functional teams to shape the strategic direction of data science initiatives. + Lead, mentor, and develop a high-performing team of data scientists and analysts, fostering a culture of transparency, innovation, and continuous improvement + Ensure best practices in model development, deployment, and monitoring, while maintaining comprehensive documentation of processes, methodologies, and outcomes + Communicate insights and model performance to senior management and stakeholders, ensuring alignment with business objectives and regulatory requirements + Foster a culture of innovation through adoption of emerging technologies in Machine Learning and AI **POSITION SPECIFICATIONS:** + 7+ years of experience, with at least 4 years in the Consumer financial services industry or a PhD with at least 5 years of professional experience. + A bachelor’s degree in mathematics, finance, industrial engineering, statistics, data science, or a related discipline; a master’s degree in these fields is preferred + Expertise in design and build of risk underwriting and account management models that leverage alternative data, such as bank transactional data and specialty bureaus + Strong expertise in statistical modeling methodologies, including ML and logistic regression, advanced data analysis techniques and reject inferencing. + Proficiency in Python and SQL, familiarity in working with GCP and Vertex AI is a plus + Experience with reporting tools like Power BI or Looker. + A data-driven approach to solving complex business challenges, with the ability to break down difficult problems into actionable solutions + Knowledge of credit products like Personal loans and Credit cards, with a strong understanding of credit underwriting, loan economics, and portfolio management + Exceptional communication skills, enabling you to convey complex ideas clearly and effectively to diverse audiences, including non-technical stakeholders + Creative problem solving, critical thinking skills, and get things done attitude **EOE STATEMENT** SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com. **CCPA DISCLOSURE** Personal Information Collection Notice: This notice contains information under the California Consumer Privacy Act (CCPA) about the categories of personal information (PI) of California residents that SMBC MANUBANK collects and the business or commercial purpose(s) for which the PI may be used. We do not sell PI. More information about our collection and use of PI may be found in our CCPA Privacy Policy at https://www.smbcmanubank.com/privacy/ccpa-disclosure . Persons with disabilities may contact our Customer Contact Center toll-free at (877) 560-9812 to request the information in this Notice in an alternative format.