Lead Data Scientist

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). The Data Science team, through this role, supports Marketing by developing predictive and prescriptive models that optimize campaign performance, enable targeted and personalized marketing, and provide actionable insights for acquisition, engagement, and retention strategies.

They leverage advanced analytics, AI/ML tools, and secure data-sharing environments to enhance decision‑making and drive measurable business outcomes.

• 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%)
• Establish and execute the framework for engaging enterprise partners to plan new AI solutions. (15%)
• Assist 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%)

• 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.
• 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.

• Data Manipulation
• Machine Learning
• Python (Programming Language)
• R Statistics
• Statistical Analysis
• Statistics
• Time Series Analysis
• Cloud Environment
• Agentic AI
• GenAI
• Presentation to Small and Large Groups
• Financial Analysis
• Choice-Based Conjoint Design and survey techniques

Senior Manager and above

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

• Ability to travel up to 5% annually.

• 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

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.

$ - $

• California: $ - $
• Colorado: $ - $
• New York: $ - $
• Washington: $ - $
• Maryland: $ - $
• Washington DC: $ - $
• Illinois: $ - $
• New Jersey: $ - $
• Vermont: $ - $

• Medical, prescription drug, dental, vision, and other voluntary benefits.
• Basic and optional life insurance, supplemental medical plans, and short and long‑term disability.
• 401(k) plan with company match.
• 11 paid holidays.
• Flexible Time Off (FTO) program.
• Paid Sick and Safe Time (PSST) for all associates except those in Illinois.
• Paid Leave for Illinois associates.
• Paid parental leave for eligible parents.

• 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…