Lead Data Scientist

Bread Financial; Columbus (OH); Hybrid; USD 120,500 - 218,300; Full time

Benefits offered by this job

401(k)

Job summary

Bread Financial is seeking a Lead Data Scientist to generate data-driven insights and advance enterprise AI initiatives. The role focuses on designing, deploying, and maintaining AI solutions while guiding the data science team to deliver impactful outcomes.

You will collaborate with business partners to translate needs into scalable models, oversee governance and documentation, and stay at the forefront of AI techniques to improve forecasting and strategic decision making.

Qualifications

• Bachelor’s Degree in Statistics, Mathematics, Engineering, Data Science, Computer Science, or Economics.
• 8+ years experience in building sophisticated models using machine learning, segmentation, time series, and other advanced analytics methodologies.
• Master’s Degree or PhD in Statistics, Mathematics, Computer Science, Data Science, Engineering, Economics, or other quantitative fields.

Responsibilities

• Lead the design, build, deployment, and periodic maintenance of AI solutions.
• Build strong relationships with internal business partners to drive the delivery of enterprise solutions.
• Establishing and executing the framework for engaging enterprise partners to plan new AI solutions.
• Assisting with documentation, compliance, model governance, and maintenance of AI solutions.
• Research advanced modeling and AI techniques to improve predictive modeling and maintain business acumen in relevant industries.
• Training and mentoring to junior Data Scientists. Lead projects as needed or required

Skills

Data Manipulation

Machine Learning

Python

R Statistics

Statistical Analysis

Statistics

Time Series Analysis

Cloud Environment

Conjoint Analysis

Agentic AI

Education

Bachelor’s Degree in Statistics, Mathematics, Engineering, Data Science, Computer Science, or Economics

Master’s Degree or PhD in Statistics, Mathematics, Computer Science, Data Science, Engineering, Economics, or other quantitative fields

Job description

Job Summary

The Data Scientist role at Bread Financial is responsible for generating data‑driven insights to support enterprise data science needs within the organization. The Lead Data Scientist is pivotal in generating insights and supporting the enterprise’s data science needs, as well as enhancing the team’s industry competence through research in Artificial Intelligence (AI).

Essential Job Functions

• Lead the design, build, deployment, and periodic maintenance of AI solutions. - (30%)
• Build strong relationships with internal business partners to drive the delivery of enterprise solutions. - (20%)
• Establishing and executing the framework for engaging enterprise partners to plan new AI solutions. - (15%)
• Assisting with documentation, compliance, model governance, and maintenance of AI solutions. - (15%)
• Research advanced modeling and AI techniques to improve predictive modeling and maintain business acumen in relevant industries. - (10%)
• Training and mentoring to junior Data Scientists. Lead projects as needed or required - (10%)

Minimum Qualifications

• Bachelor’s Degree in Statistics, Mathematics, Engineering, Data Science, Computer Science, or Economics
• 8+ years experience in building sophisticated models using machine learning, segmentation, time series, and other advanced analytics methodologies.

Preferred Qualifications

• Master’s Degree or PhD in Statistics, Mathematics, Computer Science, Data Science, Engineering, Economics, or other quantitative fields
• Advanced machine learning modeling and/or technical expertise in developing market differentiation data science products.
• Experience in bank card/credit card business, consulting, retail, marketing, loyalty, and/or financial services.
• Knowledge of Conjoint Analysis

Skills

• Data Manipulation
• Machine Learning
• Python (Programming Language)
• R Statistics
• Statistical Analysis
• Statistics
• Time Series Analysis
• Cloud Environment
• Conjoint Analysis
• Agentic AI

Reports To

Senior Manager and above

Direct Reports

0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.

Travel

• Ability to travel up to 5% annually

Physical And Mental Requirements

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Communicate/Hearing
• Communicate/Talking
• Stationary Position/Seated
• Typing/Writing
• Focus and complete tasks in situations that have a speed or productivity metric
• Maintain focus in high pressure or fast‑paced work environment

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

Salary Range

$120,500.00 - $218,300.00

Full Salary Range by State

• California: $138,600.00 - $272,900.00
• Colorado: $120,500.00 - $229,200.00
• New York: $132,500.00 - $272,900.00
• Washington: $126,500.00 - $251,100.00
• Maryland: $126,500.00 - $240,200.00
• Washington DC: $138,600.00 - $251,100.00
• Illinois: $120,500.00 - $240,200.00
• New Jersey: $138,600.00 - $251,100.00
• Vermont: $120,500.00 - $218,300.00
• Ohio: $120,500.00 - $218,300.00
• Maine: $120,500.00 - $218,300.00
• Connecticut: $132,500.00 - $240,200.00
• Virginia: $120,500.00 - $218,300.00

Benefits and Equal Opportunity Statement

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).
• The Company is an Equal Opportunity Employer.
• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.
• The Company participates in E-Verify.
• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act. Applicants with criminal histories are encouraged to apply.
• The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at [e-mail].