{"id":2107703,"url":"https://alion.io/job/cardworksfinancialgroup-director-data-science","title":"Director, Data Science","company":{"id":3913490,"name":"Cardworksfinancialgroup","domain":"cardworksfinancialgroup.com","url":"https://alion.io/company/cardworksfinancialgroup","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"B","score":75,"open_postings":3,"ghost_share":0,"stale_share":1,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-10-20T05:45:00Z"}},"role":"Leadership","role_family":"Leadership","seniority":"head","employment_type":"full_time","work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"posting_text","remote_working_hours":null,"hiring_geo_confidence":"inferred","locations":["Wilmington, United States","South Jordan, United States","United States"],"countries":["US"],"hiring_countries":["US","JO"],"hiring_countries_total":2,"salary":{"min":146409,"max":162676,"currency":"USD","period":"year","gross":null,"usd_annual":162676},"salary_estimate":null,"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"AI Agents","optional":false},{"name":"AWS","optional":false},{"name":"Machine Learning","optional":false},{"name":"Power BI","optional":false},{"name":"Python","optional":false},{"name":"RAG","optional":false},{"name":"SAS","optional":false},{"name":"Snowflake","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-05T00:00:00Z","employer_posted_date":"2026-10-05","last_verified_at":"2026-10-20T11:57:14Z","board_verified":true,"closed_at":null,"days_open":15,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":15},"description":"Become an everyday champion - and build a career where your impact fuels financial progress.\n\nWhat We Do\nCardWorks Financial Group is a diversified financial services platform building ethical solutions across credit, lending, and the full customer lifecycle. Through our family of companies, CardWorks Financial Group tackles the complex challenges that larger financial institutions leave behind. We’re embedded throughout the credit card ecosystem as a lender, servicer, and merchant acquirer.\nWho We Are\nMerrick Bank: The bank that builds\nCardWorks Servicing: One partner, total performance\nCarson Smithfield: Resolution with respect\nWith nearly 40 years of operating history, our track record is solid: disciplined in downturns and built to accelerate in recovery. The CardWorks Financial Group companies take precise approach in complex markets, as a top three non-prime focused general purpose card issuer and a top fifteen U.S. merchant acquirer.\nOur team tackles the industry’s most complex credit and payment challenges. And we believe that excellent work starts with a team that feels supported, respected, and empowered to grow.\nCardWorks Servicing, LLC provides end-to end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offersbackup servicing and due diligence services to capital providers and trustees.\nFounded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers, offering credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses.\nCarson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.\nPosition Summary and Role Impact:\nThe Director, Data Science - Competitive Intelligence, AI Insights & Strategic Analytics is a highly visible leadership role responsible for transforming internal, external, structured, and unstructured data into actionable business intelligence, competitive insights, and strategic recommendations. Sitting at the intersection of analytics, risk, strategy, technology, and market intelligence, this role leads the development of enterprise reporting, competitor benchmarking, AI-driven intelligence solutions, and executive decision support capabilities across CardWorks Financial Group.\nThis position combines advanced analytics, machine learning, Generative AI, competitive intelligence, and industry research to identify growth opportunities, anticipate market movements, evaluate competitor performance, monitor emerging risks, and support strategic decision-making. The role serves as a trusted advisor to executive leadership, business unit leaders, risk management, regulators, auditors, and board stakeholders by delivering data-driven insights that influence business strategy, portfolio performance, and market positioning.\nThe successful candidate will champion an AI-first and market-first mindset, leveraging machine learning, Large Language Models (LLMs), Retrieval-Augmented Generation (RAG), and AI-powered automation to accelerate intelligence gathering, uncover hidden opportunities, and create sustainable competitive advantage. This leader will also drive the build-out of enterprise analytics capabilities, including KPI reporting, portfolio performance measurement, market intelligence platforms, competitor monitoring solutions, and executive AI copilots.\nEssential Functions:\nLead the development and delivery of enterprise reporting, executive dashboards, KPI scorecards, portfolio analytics, competitor benchmarking, and strategic business insights.\nConduct in-depth analysis of industry trends, competitive dynamics, emerging technologies, market opportunities, and regulatory developments affecting the consumer lending, credit card, banking, payments, and fintech industries.\nApply advanced statistical techniques, machine learning models, and predictive analytics to identify patterns, forecast market changes, and support strategic business decisions.\nDesign and implement AI-powered market intelligence and competitive research solutions that automate the collection, synthesis, and interpretation of market data.\nUtilize Large Language Models (LLMs) to analyze and summarize earnings calls, SEC filings, analyst reports, press releases, industry publications, and competitor disclosures.\nDevelop Retrieval-Augmented Generation (RAG) solutions and AI agents that enable continuous monitoring of competitor activity, customer trends, market signals, and regulatory developments.\nBuild executive AI copilots that support strategic planning, competitive analysis, and business decision-making.\nIntegrate external market, economic, customer, and industry datasets with internal business performance data to generate comprehensive insights.\nAnalyze portfolio performance across lending products, identifying opportunities related to growth, profitability, customer behavior, risk management, and operational efficiency.\nPartner with business, product, marketing, digital, risk, technology, and finance leaders to translate analytical findings into actionable business recommendations.\nSupport board presentations, regulatory requests, audit reviews, second-line risk reviews, and executive strategic initiatives through rigorous analysis and communication.\nPrepare audit-ready analyses and documentation to support regulatory, compliance, and governance requirements.\nPresent complex analytical findings and strategic recommendations to executive leadership in a clear, concise, and compelling manner.\nFoster a culture of innovation, analytics excellence, data-driven decision-making, and AI adoption across the organization.\nRequirements for Success:\nEducation & Experience:\nBachelor’s degree in Statistics, Mathematics, Economics, Computer Science, Data Science, Business Analytics, Financial Engineering, or related quantitative discipline required; Master's degree preferred.\n5+ years of experience in Business Analytics, Data Science, Competitive Intelligence, Market Research, Strategy Analytics, Risk Analytics, or related analytical roles.\nExperience within Financial Services, Consumer Lending, Credit Cards, Banking, Payments, or FinTech industries required.\nStrong understanding of lending economics, including interest income, interchange, fees, charge-offs, delinquency, portfolio performance, and risk management frameworks.\nProven experience applying machine learning, artificial intelligence, and advanced analytics to solve business problems and generate strategic insights.\nExperience working with Generative AI, LLMs, RAG architectures, AI agents, and market intelligence automation solutions preferred.\nStrong proficiency in SQL, Python, Snowflake, AWS, and modern analytics platforms.\nExperience with Power BI, PowerPoint, SAS, R, or similar analytical and visualization tools preferred.\nDemonstrated ability to communicate complex technical findings and strategic recommendations to executive leadership, regulators, auditors, and non-technical stakeholders.\nHighly analytical self-starter with the ability to manage multiple priorities and deliver results in a fast-paced, highly regulated environment.\nLeadership Competencies\nAI-first and market-first mindset.\nStrategic thinker with strong business acumen.\nExecutive presence and storytelling capability.\nStrong stakeholder management and influencing skills.\nCuriosity-driven approach to problem solving and innovation.\nAbility to challenge assumptions with data and evidence.\nCommitment to driving measurable business outcomes through analytics and intelligence.\nIdeally, the qualified candidate will work at the following location(s): South Jordan, UT, Woodbury, NY, Wilmington, DE. A hybrid work model or fully remote model can be considered based on hiring manager decision and priorities of the role.\nThe salary range for this position, if located in NY Metro/NY State is $146,409 to $162,676. However, please note that the salary range will vary for other geographic areas.\n Our Employee Value Proposition\nCompetitive Pay, including a Bonus Targetor Variable Pay Incentive Program\nBenefits Package -Medical, Dental, and Vision (plus much more)\n401(k) Plan with Company Match\nShort- & Long-Term Disability\nWellness Programs\nGroup Life and AD&D Insurance\nPaid Vacation, Sick Daysand bank Holidays\nEmployee Engagement Activitiesincluding Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition\nWe offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.\nWe are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.\nWe do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.\nIf you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.","description_format":"text","description_chars":9934,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Growth opportunities","Hybrid work","Wellness"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"},{"name":"Jordan","iso":"JO","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Software & Embedded Finance","Payment Processing & Gateways"],"lifecycle":[{"event":"open","at":"2026-10-08T21:00:09Z"}],"visa":[],"liveness":{"score":70,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.777,"p_room":0.9,"age_days":15,"expected_fill_days":29,"reasons":["conf:7","win:mid"],"computed_at":"2026-10-20T05:45:00Z"},"pay":{"stated_usd_annual":162676,"is_top_pay":false},"html_url":"https://alion.io/job/cardworksfinancialgroup-director-data-science","json_url":"https://alion.io/job/cardworksfinancialgroup-director-data-science.json","meta":{"generated_at":"2026-10-20T16:07:12Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":18299,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-21T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":3913490},"rest":"https://alion.io/mcp/rest/get_company?id=3913490"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fcardworksfinancialgroup-director-data-science"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fcardworksfinancialgroup-director-data-science"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fcardworksfinancialgroup-director-data-science"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/cardworksfinancialgroup-director-data-science\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fcardworksfinancialgroup-director-data-science"}]}