Data Scientist

Dealership: L0238 Driveway Finance Corporation Driveway Finance Corporation |Data Scientist I

Driveway Finance Corporation (DFC) is a modern automotive lender and part of the Lithia & Driveway (LAD) family, one of the largest automotive retailers in North America and where we exemplify "Auto Done Easy". DFC provides flexible, customer-focused financing solutions that support both retail and commercial clients. Our innovative approach combines technology with personalized service to simplify the vehicle financing experience.

At DFC, we're driving the future of auto finance! Lithia Motors, Inc. is a nationwide automotive retailer headquartered in Medford, Oregon, and the largest automotive retailer in the United States.

The Data Scientist/Senior Data Scientist supports Lithia's long-term strategy to use data, statistical modeling, machine learning, and AI to predict market trends, improve decision-making, optimize operations, and better serve customers. The role helps ensure that organizational data is accurate, consistent, and fit for effective predictive modeling, while addressing data-source and collection issues and helping reduce systematic bias. The position also supports U.S. vehicle lending and leasing through credit risk analytics and modeling, pricing strategy, and practical analytical solutions for businesses and functions including , sales, marketing, finance, operations, product, and technology.

The Data Scientist/Senior Data Scientist reports to the Manager, Data Science.

This role is hybrid in Tigard, OR. 3 days in office, 2 days from home.

Target Hiring Range:
At Lithia & Driveway, we believe in pay transparency. The full compensation range for this position is $60,000 - $85,000 reflecting the earning potential and growth opportunities available within the role. Actual compensation will be $73,000 - $82,000 determined based on factors such as experience, skills, job-related knowledge, and geographic location. Final pay decisions are made through the interview process and in accordance with applicable pay equity and transparency laws.

• Analyze U.S. vehicle lending and leasing portfolio performance, identify risk trends, and provide actionable recommendations.
• Develop and maintain credit risk models, decision rules, risk tiers, and related analytical strategies.
• Test and validate models and credit policies using historical analysis, back-testing, simulations, and appropriate performance measures.
• Build reliable analytical datasets and reporting using Python, SQL, and relevant cloud or business intelligence platforms.
• Monitor model, policy, and portfolio performance and recommend adjustments when business conditions, customer behavior, or data quality change
• Develop and evaluate pricing strategies, including risk-based pricing, profitability analysis, pricing optimization, and measurement of customer and portfolio outcomes.
• Support Lithia businesses and functions, including , sales, and marketing, by identifying analytical opportunities, building models and insights, and translating results into practical business recommendations
• Partner with credit, finance, operations, product, technology, data engineering, and governance teams to implement analytical solutions
• Clearly communicate methods, assumptions, limitations, findings, and business impact to technical and non-technical stakeholders.
• For the Senior Data Scientist level, lead complex work streams, review analytical work, coach team members, and help establish modeling standards

• Master's degree in data science, statistics, mathematics, computer science, engineering, economics, finance, actuarial science, or a closely related quantitative field; an advanced degree is an asset.
• Data Scientist:…