Data Scientist (Mid-Level)

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs. The Opportunity As a dedicated Data Scientist, you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions that drive actionable business insights and business value through automation, revenue generation, and the reduction of expenses and risk. In collaboration with engineering partners, you will deliver scalable solutions and enable customer-facing applications. You will leverage your expertise in databases, cloud technologies, and programming to build analytical modeling solutions using statistical and machine learning techniques. You will also collaborate with fellow data scientists to enhance USAA's tools and expand the company's library of internal packages and applications. Additionally, you will partner with Model Risk Management to validate model results and ensure their stability before deploying them to production at scale. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Gathers, interprets, and manipulates structured and unstructured data to enable advanced analytical solutions for the business. Develops scalable, automated solutions using machine learning, simulation, and optimization to deliver business insights and business value. Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs. Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework. Composes technical documents for knowledge persistence, risk management, and technical review audiences. Assesses business needs to propose/recommend analytical and modeling projects to add business value. Participates in the prioritization of analytics and modeling problems/research efforts with business and analytics leaders. Contributes to the development of a robust library of reusable, production-quality algorithms and supporting code, to ensure model development and research efforts are transparent and based on the highest quality data. Translates business request(s) into specific analytical questions, executes on the analysis and/or modeling, and then communicates outcomes to non-technical business colleagues with focus on business action and recommendations. Works closely with Data Engineering, IT, the business, and other internal stakeholders to deploy production-ready analytical assets that are aligned with the customer's vision and specifications while being consistent with modeling best practices and model risk management standards. Maintains awareness of cutting-edge techniques. Actively seeks opportunities and materials to learn new techniques, technologies, and methodologies. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in Mathematics, Computer Science, Statistics, Economics, Finance, Actuarial Science, Science, Engineering, or quantitative field; OR 4 years of relevant education and/or experience. 4 years of experience in a predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline and 2 years of experience in predictive analytics or data analysis. 2 years of experience in training and validating statistical, physical, machine learning, and other advanced analytics models. 2 years of experience in one or more dynamic scripted language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models. Experience writing code that is easy to follow, well documented, and commented where necessary to explain logic (high code transparency). Experience in querying and preprocessing data from structured and/or unstructured databases using query languages such as SQL, HQL, NoSQL, etc. Experience in working with structured, semi-structured, and unstructured data files such as delimited numeric data files, JSON/XML files, and/or text documents, images, etc. Experience in performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics. Ability to assess regulatory implications and expectations of distinct modeling efforts. Experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic regression, discriminant analysis, support vector machines, decision trees, forest models, etc. Experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Experience communicating analytical and modeling results to non-technical business partners with emphasis on business recommendations and actionable applications of results. What sets you apart: US military experience gained through military service or gained as a military spouse / domestic partner. Financial Services industry experience. Compensation range: The salary range for this position is: $114,080 - $218,030 . USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on . Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.