Data Scientist I

Pathward, National Association; United States; Hybrid; USD 58,000 - 106,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Paid time off

Disability benefits

Job summary

Pathward, National Association is seeking a Data Scientist I to join our hybrid team. You will analyze large datasets, build and monitor predictive models, and oversee partner onboarding and data quality improvements.

The role emphasizes collaboration with business, risk, and technology teams to deliver data-driven decisions. You will apply Python, SQL, and cloud/BI tools to generate insights, document methodologies, and support governance across multiple stakeholders.

Qualifications

• Bachelor's degree in a quantitative field is required.
• Up to 2+ years of professional or project experience.
• Experience with large datasets and analytics.
• Hands-on Python and SQL for data analysis and automation.
• Strong written communication to document analyses.

Responsibilities

• Analyze large datasets to generate actionable business insights.
• Support development, testing, and monitoring of predictive models and analytical solutions.
• Onboard and monitor partner models, validate data and document results.
• Perform data quality analysis with business context and root-cause analysis.
• Develop monitoring processes for models, portfolios, and data.
• Create comprehensive technical documentation on data, methods, and limitations.
• Use AI-assisted tools to improve documentation, coding, and workflow efficiency.
• Collaborate with business, risk, technology, and external partners.
• Automate and refine monitoring and data validation processes.
• Communicate findings and recommendations clearly to stakeholders.

Skills

Analytical thinking

Python proficiency

SQL proficiency

Communication skills

Education

Bachelor's degree in Data Science, Statistics, Mathematics, Economics, Engineering, Computer Science, Finance, Business Analytics, or a related quantitative field

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*SMART approach, 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.

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