Principal Data Scientist

TD Bank; Southfield (MI); On-site; USD 149,000 - 223,000; Full time

Benefits offered by this job

Base salary and variable compensation

Health and wellbeing benefits

Savings and retirement programs

Paid time off

Banking benefits and discounts

Career development

Mentoring programs

Online learning platform

Job summary

TD Bank is seeking a Principal Data Scientist to drive analytics that support decision-making and long-range planning. This role focuses on end-to-end ownership of a decisioning and pricing optimization engine, applying advanced data science methods to convert large-scale historical and market inputs into actionable outcomes.

You will also provide technical leadership across complex, enterprise-level initiatives and guide executive communication of results.

Qualifications

• Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance, or computer science).
• Graduate’s degree preferred, with progressive project work experience, or 10+ years of relevant experience.

Responsibilities

• Collect and work with data using data science techniques to uncover actionable insights or build analytics solutions.
• Own the end-to-end decisioning and pricing optimization engine, using large-scale historical and market data to form hypotheses, run analyses, develop models, evaluate performance, and drive business decisions.
• Lead analytical projects autonomously and create analytical presentations for executive audiences.
• Provide technical leadership across complex initiatives and guide executive communication of results.
• Collaborate with business partners to identify strategies, analyze deal structures, and deliver P&L expectations.
• Stay current on industry trends and optimization methodologies in auto finance markets.

Skills

Python

Machine learning models

Education

Bachelor's degree in a relevant field

Graduate degree preferred

Job description

TD Bank is seeking a Principal Data Scientist to drive analytics that support decision-making and long-range planning. This role focuses on end-to-end ownership of a decisioning and pricing optimization engine, applying advanced data science methods to convert large-scale historical and market inputs into actionable outcomes. You will also provide technical leadership across complex, enterprise-level initiatives and guide executive communication of results.

What you’ll do

• Collect and work with data using a broad set of data science techniques, including data wrangling, profiling and visualization, and statistical inference, to uncover actionable insights or build analytics solutions that inform strategic decisions.
• Provide technical expertise focused on bank and industry-wide solutions, addressing capability gaps to create meaningful value for customers.
• Own the end-to-end decisioning and pricing optimization engine, using large-scale historical and market data to form hypotheses, run analyses, develop machine learning models, evaluate model performance, implement models, and drive business decisions.
• Analyze large-scale datasets with statistical models to recommend insights and solve business objectives.
• Collaborate with business partners to identify and refine strategies, analyze alternative deal structures, and deliver business P&L expectations.
• Stay current on industry trends and optimization methodologies in auto finance markets, delivering advanced analytical capabilities beyond existing methods.
• Lead analytical projects autonomously and create analytical presentations for executive audiences and stakeholders.
• Demonstrate advanced peer leadership by influencing partners and mentoring or coaching peers where needed.
• Serve as a key business partner by guiding business leaders to prioritize business needs and translate business problems into viable data science solutions.
• Act as the authority on data science concepts, principles, practices, and standards, including thought leadership on IT risk-based approaches to data science.
• Set direction and oversee work of other data science professionals on complex, highly visible, strategic, and enterprise-impacting projects.
• Provide consultative and strategic guidance to executive leadership, primarily working at the enterprise level.
• Work with stakeholders to identify new analytical trends and data needs, generate hypotheses, and build analytical models to answer high-impact business questions.
• Protect organizational interests by identifying and managing risks, escalating non-standard high-risk activities when necessary.
• Account for creating and implementing processes and systems to extract knowledge or insights from structured and unstructured data.
• Collaborate with data and business analysts, software engineers, data engineers, and application developers to build scalable, sustainable solutions with long-term value.
• Lead or facilitate action and remediation plans to address performance, risk, and governance issues; maintain alignment with enterprise and regulatory requirements.
• Keep current on emerging issues, trends, and evolving regulatory requirements, assessing potential impacts and supporting a culture of risk management and control aligned with risk appetite.
• Participate in enterprise initiatives as a subject matter expert, helping identify risk and providing guidance for complex situations.
• Contribute to team growth through mentorship, knowledge transfer, and sharing best practices, while building productive relationships with internal and external stakeholders.
• Support a fair, positive, and equitable environment, and act as a brand ambassador for the business area or function and for the bank.

Requirements

• Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance, or computer science).
• Graduate’s degree preferred, with progressive project work experience, or 10+ years of relevant experience (higher degree education and research tenure can be counted).
• 10 years minimum experience.

Technologies

• Python
• Machine learning models

Work location, hours, and pay

• Location: Southfield, Michigan, United States (onsite)
• Hours: 40
• Pay: $148,720 - $223,080 USD per year

Benefits

• Base salary and variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards through participation in an incentive plan.
• Health and well-being benefits
• Savings and retirement programs
• Paid time off including Vacation PTO, Flex PTO, and Holiday PTO
• Banking benefits and discounts
• Career development, reward and recognition, and training and onboarding sessions
• Regular career, development, and performance conversations with your manager
• Access to an online learning platform and mentoring programs

Additional details

• Line of business: Analytics, Insights, & Artificial Intelligence
• Domestic travel: Occasional; International travel: Never