Data Scientist (AI/ML) and Analytics

Our Data Science group supports bank and merchant partners by leveraging extensive global transaction datasets. The team focuses on building innovative solutions that drive business outcomes through advanced analytics, machine learning, artificial intelligence, and data science techniques. To support a rapidly expanding scope of work at the intersection of data science, analytics, and AI, we are seeking Data Scientists who are passionate about solving complex data challenges using large-scale datasets and modern analytical tools. You will join one of several data science focus areas (e.g., merchants, issuers, enablers, fintechs) and collaborate across teams, gaining broad exposure to diverse business domains. Essential Functions

• Develop and enhance predictive models to improve customer experiences, revenue generation, business insights, advertising effectiveness, and other strategic outcomes.
• Apply creative problem-solving and data science techniques to address complex business challenges and uncover actionable opportunities.
• Leverage AI-assisted development tools (e.g., GitHub Copilot, Claude Code, Cline, OpenAI Codex) to accelerate analytics and software development workflows.
• Apply data science and Generative AI techniques to analyze transaction and business data and deliver actionable insights.
• Build agentic AI systems incorporating multi-step reasoning, tool usage, and memory capabilities for complex decision-making workflows.
• Collaborate with cross-functional teams to guide data-driven decision-making and strategic recommendations.
• Present analytical findings and recommendations to clients and stakeholders.
• Create compelling visualizations and dashboards that communicate complex analyses effectively.
• Identify opportunities to transform analytical solutions into scalable products that can benefit multiple clients.
• Partner with business and technology teams to explore innovative uses of data to solve business problems.

• 2 years of work experience with a Bachelor’s degree, or
• An Advanced Degree (e.g., Master’s, MBA, JD, MD, or PhD)., * 3+ years of work experience with a Bachelor’s degree, or
• 2+ years of work experience with an Advanced Degree.
• 2+ years of experience in data-driven decision-making, quantitative analysis, or related analytical functions, including exposure to LLMs and Generative AI applications.
• Bachelor’s degree in Statistics, Operations Research, Economics, Computer Science, Mathematics, Engineering, or a related analytical discipline. Advanced degrees are preferred.
• Experience analyzing data using Python or other statistical programming languages.
• Experience extracting, transforming, and analyzing large datasets using SQL, Hive, Spark, or similar technologies.
• Strong understanding of machine learning techniques and associated libraries/frameworks.
• Experience with LLM orchestration frameworks (e.g., LangChain or similar), vector databases, embedding models, and Generative AI solutions.
• Proficiency in Excel, PowerPoint, Tableau, or equivalent data visualization tools.
• Prior experience in financial services, payments, credit cards, banking, or merchant analytics is preferred but not required.