Senior Data Scientist

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

The Security Solutions Data Science team is responsible for developing Artificial Intelligence (AI) and Machine Learning (ML) models that support Mastercard’s Identity and risk capabilities across digital transactions. These models are production‑ready and are designed to power key products and decisioning systems across Mastercard’s payment networks. The team also leads the research and development of scalable data science systems spanning the full model lifecycle, from data acquisition and feature engineering through experimentation, validation, deployment, and monitoring.

These systems are built to operate at scale and to be repeatable, resilient, and industrialized so they can support both current business needs and the exploration of emerging problem spaces. Services within Mastercard is responsible for acquiring, engaging, and retaining customers by managing fraud and risk, enhancing cybersecurity, and improving the digital payments experience. As the ecosystem evolves, new forms of commerce are introducing new types of risk that require novel approaches, creative thinking, and rigorous experimentation.

In this role, you will focus on the research and development of a new space:
Identifying risks in agentic commerce. This is an emerging domain where autonomous or semi‑autonomous agents can initiate or influence transactions, creating new challenges for identity, trust, accountability, and risk modeling. You will help define the problem space, explore new data signals and modeling approaches, and develop scalable intelligence capabilities that can shape how Mastercard identifies and manages risk in this next generation of commerce.

As a Senior Data Scientist, you will work on frontier data science problems that require strong technical depth, creativity, and the ability to operate effectively in ambiguity.

• Execute the research and development of machine learning and analytical approaches to identify agents and risks in agentic commerce
• Explore new data signals, behavioral patterns, and entity relationships relevant to agent‑driven transaction ecosystems
• Help define problem formulations in a new domain where labels, patterns, and risk taxonomies may still be evolving
• Prototype and develop machine learning solutions using Databricks, Spark, and scalable cloud‑based environments
• Drive feature engineering and experimentation across structured and potentially unstructured data sources
• Identify appropriate modeling techniques based on business context, data constraints, and problem structure
• Define and implement rigorous validation frameworks to ensure solutions are reliable, generalizable, and aligned with business objectives
• Collaborate with Product, Engineering, and other Data Science partners in an Agile environment to deliver iterative progress in a rapidly developing area
• Contribute to technical best practices across the team

• Bachelor’s degree (Master’s or PhD preferred) in Data Science, Statistics, Mathematics, Computer Science, or another quantitative discipline
• Strong independent research skills and…