Remote Senior Director: Advanced Credit ML

FNBO; Florida; Remote; USD 159,000 - 270,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401k with matching

Time Off Programs

HSA

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

FNBO is seeking a Senior Director, Advanced Data Scientist to lead the Partnership Division's data science and modeling efforts, shaping a multi-year roadmap and delivering cutting-edge credit decisioning and portfolio management models.

You will translate complex analytics into actionable business insights, oversee end-to-end model development, and collaborate across risk, technology, and business leaders to maximize impact.

Qualifications

• 7+ years of experience developing statistical or machine learning models in financial services or consumer credit.
• Proven ability to develop predictive models with large and complex datasets.
• Strong experience with Python and/or R; SQL skills.
• Experience with gradient boosting, ensembles, neural networks, and SHAP/explainability.
• Full model development lifecycle from problem to monitoring.
• Solid understanding of credit-risk concepts and consumer lending.

Responsibilities

• Define and own multi-year modeling roadmap for credit-risk acquisition and portfolio management.
• Lead discussions with senior stakeholders to align methodology, priorities, and risk considerations.
• Develop advanced ML models for credit card acquisition, underwriting, and customer risk.
• Apply statistical/ML techniques to large datasets and evaluate algorithms (GBMs, neural nets, ensembles).
• Establish training/validation/out-of-time testing strategies and document results.
• Monitor model performance, data shifts, and suggest recalibration or redevelopment when needed.
• Serve as a subject-matter expert in ML and credit-risk modeling; establish best practices.

Skills

Python

R

SQL

Gradient boosting

Ensemble methods

Neural networks

SHAP

Explainable AI

Credit risk modeling

Statistics

Education

Master's degree or PhD in Statistics, Data Science, Computer Science, Mathematics, Operations Research, Econometrics, or related quantitative field

PhD strongly preferred with research in ML, statistics, or quantitative finance

Tools

XGBoost

LightGBM

Neural networks

Python tooling

R tooling

Job description

FNBO is seeking a Senior Director, Advanced Data Scientist to lead the Partnership Division's data science and modeling efforts, shaping a multi-year roadmap and delivering cutting-edge credit decisioning and portfolio management models.

You will translate complex analytics into actionable business insights, oversee end-to-end model development, and collaborate across risk, technology, and business leaders to maximize impact.