Data Scientist I

Pathward, N.A.; Phoenix (AZ); Hybrid; USD 58,000 - 106,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Annual performance-based incentive

Job summary

Pathward, N.A. is seeking a Data Scientist I in Phoenix, AZ for a hybrid role that blends hands-on analytics with governance activities.

You will analyze large datasets, develop and monitor predictive models, and ensure data quality across the organization, while collaborating with business and technical teams. The position requires a bachelor’s degree in a quantitative field and up to 2+ years of relevant experience.

Qualifications

• Bachelor's degree in a related quantitative field.
• Up to 2+ years of relevant professional, internship, research, or project experience.
• Experience working with large datasets and applying analytical or statistical methods to business problems.
• Hands-on experience with Python and SQL for data analysis, validation, and automation.
• Strong analytical and problem-solving skills with the ability to connect technical findings to business processes and outcomes.
• Experience with data profiling, reconciliation, root-cause analysis, and data quality validation.
• Strong written communication skills, including the ability to produce detailed technical and analytical documentation.
• Ability to manage multiple responsibilities across analytics, monitoring, and documentation with attention to detail.
• Curiosity and willingness to learn new business areas, analytical techniques, technologies, and AI-enabled tools.
• Strong collaboration skills and the ability to work effectively with business and technical stakeholders.
• Experience or familiarity with Python, SQL, Snowflake, and AWS in an analytical or Data Science environment.
• Experience in banking, financial services, fintech, consumer credit, payments, fraud, or other regulated industries.
• Experience with partner onboarding, partner/model oversight, portfolio monitoring, or model governance.
• Familiarity with predictive modeling and model-performance measures such as AUC, KS, stability, approval rates, and portfolio performance.
• Experience with Power BI or similar visualization tools.
• Familiarity with Git and reproducible development practices.
• Experience using generative AI tools for coding, analysis, research, or technical documentation, with appropriate human review.

Responsibilities

• Analyze large and complex datasets using statistical, predictive, and other analytical techniques to produce actionable business insights.
• Support the development, testing, implementation, and monitoring of predictive models and analytical solutions.
• Assist with partner model and program onboarding, oversight, and ongoing monitoring, including data validation, performance analysis, documentation, and issue resolution.
• Conduct data quality analysis with business context by identifying root causes, downstream impacts, and opportunities to improve data reliability and usability.
• Develop and maintain monitoring processes for models, partner portfolios, products, and critical data.
• Create and maintain comprehensive technical documentation covering data, methodologies, business requirements, testing, model performance, monitoring, assumptions, and limitations.
• Use approved AI-assisted tools to support documentation, coding, analysis, quality assurance, and workflow efficiency, while independently validating outputs.
• Collaborate with business, risk, compliance, technology, operations, vendors, and external partners to implement and maintain analytical solutions.
• Build reusable and automated processes to improve monitoring, reporting, data validation, and Data Science workflows.
• Communicate analytical findings, risks, and recommendations clearly to technical and nontechnical stakeholders.

Skills

Python

SQL

Analytical thinking

Communication

Collaboration

Generative AI

Curiosity

Problem solving

Education

Bachelor's degree

Tools

Snowflake

AWS

Power BI

Git

Job description

The Data Scientist I at Pathward, N.A. supports analytical solutions across the organization, including predictive modeling, partner oversight, data quality investigations, model monitoring, and documentation. This hybrid role is based in Phoenix, AZ and combines hands-on analytics with business-focused quality and governance activities.

Location

Phoenix, AZ (hybrid)

Salary Range

USD 57,582 - 106,345 per year

• Salary range reflects the minimum and maximum target for a new hire in this role.
• Eligible for an annual performance-based incentive opportunity.

Key Responsibilities

• Analyze large and complex datasets using statistical, predictive, and other analytical techniques to produce actionable business insights.
• Support the development, testing, implementation, and monitoring of predictive models and analytical solutions.
• Assist with partner model and program onboarding, oversight, and ongoing monitoring, including data validation, performance analysis, documentation, and issue resolution.
• Conduct data quality analysis with business context by identifying root causes, downstream impacts, and opportunities to improve data reliability and usability.
• Develop and maintain monitoring processes for models, partner portfolios, products, and critical data.
• Create and maintain comprehensive technical documentation covering data, methodologies, business requirements, testing, model performance, monitoring, assumptions, and limitations.
• Use approved AI-assisted tools to support documentation, coding, analysis, quality assurance, and workflow efficiency, while independently validating outputs.
• Collaborate with business, risk, compliance, technology, operations, vendors, and external partners to implement and maintain analytical solutions.
• Build reusable and automated processes to improve monitoring, reporting, data validation, and Data Science workflows.
• Communicate analytical findings, risks, and recommendations clearly to technical and nontechnical stakeholders.

Requirements

• Bachelor’s degree in a related quantitative field.
• Up to 2+ years of relevant professional, internship, research, or project experience.
• Experience working with large datasets and applying analytical or statistical methods to business problems.
• Hands-on experience with Python and SQL for data analysis, validation, and automation.
• Strong analytical and problem-solving skills with the ability to connect technical findings to business processes and outcomes.
• Experience with data profiling, reconciliation, root-cause analysis, and data quality validation.
• Strong written communication skills, including the ability to produce detailed technical and analytical documentation.
• Ability to manage multiple responsibilities across analytics, monitoring, and documentation with attention to detail.
• Curiosity and willingness to learn new business areas, analytical techniques, technologies, and AI-enabled tools.
• Strong collaboration skills and the ability to work effectively with business and technical stakeholders.
• Experience or familiarity with Python, SQL, Snowflake, and AWS in an analytical or Data Science environment.
• Experience in banking, financial services, fintech, consumer credit, payments, fraud, or other regulated industries.
• Experience with partner onboarding, partner/model oversight, portfolio monitoring, or model governance.
• Familiarity with predictive modeling and model-performance measures such as AUC, KS, stability, approval rates, and portfolio performance.
• Experience with Power BI or similar visualization tools.
• Familiarity with Git and reproducible development practices.
• Experience using generative AI tools for coding, analysis, research, or technical documentation, with appropriate human review.

Technologies

• Python
• SQL
• Snowflake
• AWS
• Power BI
• Git

Benefits

• Health insurance
• 401(k) retirement benefits
• Life insurance
• Disability benefits
• Paid time off
• Annual performance-based incentive opportunity

Additional Information

• If your experience does not match every qualification exactly, you are encouraged to apply.
• Pathward is an equal employment opportunity employer and considers candidates without regard to race, sex, national origin, ethnicity, age, disability, or other protected categories.
• The responsibilities listed above are not all inclusive and may be changed at any time.
• Applications will be accepted for a minimum of 3 days after posting, with no predetermined submission deadline.