Data Scientist II (Credit Risk and Product)
Core
Develop credit strategies, adjudication, and account management for credit cards and personal lending using machine learning and advanced analytics.
Role type
Mid-level IC data scientist (credit risk & product)
Builds
Credit card adjudication strategies, pricing initiatives, and risk management solutions for TD & MBNA Cards and Personal Lending products.
Domain
Financial services / Credit risk
Deliverable
production ML models | product features
Required skills
SQL, Python, PySpark, machine learning (supervised, unsupervised, reinforcement, causal inference), credit strategy, risk management, product management
Preferred skills
Generative AI, large language models (LLMs), statistical inferencing
Responsibilities
Develop credit strategies ensuring adequacy of risk and return; support new credit strategy development with advanced analytics; identify and manage credit risks; complete complex analytic projects; produce insights and recommend business actions; drive initiatives providing financial value.
Seniority
Mid-level, hands-on IC
