Data Scientist I

Pathward, N.A.; United States; Hybrid; USD 58,000 - 106,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Paid time off

Job summary

Pathward, N.A. in the United States seeks a Data Scientist I to support analytical solutions, model oversight, data quality, and decision-making across the organization.

This role blends hands-on data analysis with partner onboarding and monitoring to drive business outcomes. You will work with Data Science, business, risk, technology, and external partners to analyze data, validate models, monitor performance, and document analytical solutions.

Qualifications

• Bachelor’s degree in a quantitative field.
• Up to 2+ years of relevant experience.
• Experience with large datasets and statistical methods.
• Hands-on Python and SQL for data analysis and automation.
• Strong written communication and ability to document analyses.

Responsibilities

• Analyze large datasets using statistical and predictive methods.
• Support development, testing, and monitoring of models.
• Onboard and monitor partner models; ensure data quality and validation.
• Develop monitoring processes for models and data pipelines.
• Create technical documentation covering data, methods, and findings.
• Collaborate with business, risk, technology, and partners to implement solutions.

Skills

Python

SQL

Snowflake

AWS

Power BI

Git

Generative AI tools

Education

Bachelor’s degree in Data Science, Statistics, Mathematics, Economics, Engineering, Computer Science, Finance, Business Analytics

Tools

Python

SQL

Snowflake

AWS

Power BI

Git

Job description

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Phoenix, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™.We area financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our*HUMBLE*HUNGRY*SMARTapproach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role:

The Data Scientist I supports analytical solutions, model and partner oversight, data quality, and decision-making across the organization. This role combines hands-on data analysis with partner onboarding and monitoring, business-focused data quality investigation, model monitoring, and technical documentation.

The successful candidate will work with Data Science, business, risk, technology, and external partners to analyze data, identify issues and opportunities, monitor performance, and document analytical solutions. The role will also leverage approved AI and productivity tools to improve the efficiency and quality of analysis, coding, and documentation.

What You Will Do:

• Analyze large and complex datasets using statistical, predictive, and other analytical techniques to generate actionable business insights.
• Support development, testing, implementation, and monitoring of predictive models and analytical solutions.
• Support partner model and program onboarding, oversight, and ongoing monitoring, including data validation, performance analysis, documentation, and issue resolution.
• Perform data quality analysis with business context, 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 comprehensive technical documentation covering data, methodologies, business requirements, testing, model performance, monitoring, assumptions, and limitations.
• Use approved AI-assisted tools to improve 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.
• Develop 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.

What You Will Need:

• Bachelor’s degree in Data Science, Statistics, Mathematics, Economics, Engineering, Computer Science, Finance, Business Analytics, or 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 with the ability to produce detailed technical and analytical documentation.
• Ability to manage multiple analytical, monitoring, and documentation responsibilities with strong attention to detail.
• Curiosity and willingness to learn new business areas, analytical techniques, technologies, and AI-enabled tools.
• Strong collaboration skills and 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/version control and reproducible development practices.
• Experience using generative AI tools for coding, analysis, research, or technical documentation with appropriate human review.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $57,582.12 - $106,345.10
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are:

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Pathward, N.A. ’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A \"disabled veteran\" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A \"recently separated veteran\" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An \"active duty wartime or campaign badge veteran\" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An \"Armed forces service medal veteran\" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.