Data Scientist I: Credit Risk & Analytics

Bank of America; Charlotte (NC); On-site; USD 120,000 - 150,000; Full time

Job summary

Bank of America is seeking a Data Scientist to analyze large datasets, develop risk management strategies, and drive data-driven insights across credit risk, fraud analytics, and customer segmentation. You will extract and transform data, build dashboards, and support scorecard development in a collaborative, in-office environment.

The role requires a Master's or higher in a quantitative field, strong ML/NLP/DL knowledge, and 2+ years of Tableau and programming experience.

Qualifications

• Master's degree or higher in Computer Science, Data Science, Statistics, Mathematics, Finance, or a related quantitative discipline.
• Strong STEM background with ML, NLP, DL, statistics, forecasting, data visualization.
• Minimum 2 years of experience developing Tableau data visualization, reports and dashboards.
• Proficiency in Python, SQL, SAS, R, MATLAB, and C/C++.

Responsibilities

• Performs business analytics, including data analysis, trend identification, and pattern recognition, using advanced techniques to support decision-making.
• Applies agile practices for project management, solution development, deployment, and maintenance.
• Creates and maintains technical documentation of requirements and specifications for analytics solutions.
• Manages multiple priorities and delivers quantitative models, data science products, data analysis reports, or visualizations.
• Delivers presentations and communicates complex analyses to stakeholders to foster collaboration.
• Mitigates risk by identifying potential issues and implementing controls.
• Researches advances in data science and AI to support analytics.
• Develop analytical solutions supporting credit risk, fraud analytics, customer segmentation, and portfolio management.
• Extract, transform, and analyze large datasets from enterprise platforms.
• Build dashboards, reports, and automated analytical workflows.
• Support credit risk scorecard development, monitoring, and stress testing.
• Data quality validation, reconciliation, and process improvements.
• Portfolio analytics, segmentation, trend analysis, and loss forecasting.
• Incorporate third-party data when needed.

Skills

Adaptability

Attention to Detail

Business Analytics

Technical Documentation

Written Communications

Agile Practices

Application Development

Collaboration

Data Visualization

DevOps Practices

Artificial Intelligence/Machine Leanin

Networking

Policies, Procedures, and Guidelines

Presentation Skills

Risk Management

Education

Master's degree or higher in Computer Science, Data Science, Statistics, Mathematics, Finance, or related quantitative discipline

Tools

Tableau

Python

SQL

SAS

R

MATLAB

C/C++

NoSQL

Distributed computing

Job description

Bank of America is seeking a Data Scientist to analyze large datasets, develop risk management strategies, and drive data-driven insights across credit risk, fraud analytics, and customer segmentation. You will extract and transform data, build dashboards, and support scorecard development in a collaborative, in-office environment.

The role requires a Master's or higher in a quantitative field, strong ML/NLP/DL knowledge, and 2+ years of Tableau and programming experience.