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The Company: Publicly traded company, headquartered in Atlanta Georgia, with a
25-year history issuing credit cards, providing retail credit at point of sale,
and meeting financing needs in healthcare and auto sectors. Our client maintains a single-minded focus on
helping meet the needs of the financially underserved.

Seeking an experienced and innovative Head of Machine
Learning, Modeling, and Governance to lead the development and execution of
advanced machine learning (ML) initiatives across our entire financial services
platform. This critical leadership role will focus on transforming our data and
analytics capabilities to enhance customer acquisition, credit decisioning,
fraud detection, and overall customer experience. The ideal candidate will
bring a blend of technical expertise, business acumen, and leadership skills to
drive measurable results and align ML strategies with the company’s vision.

Key Responsibilities:

• Define and execute the ML strategy across the credit lifecycle, including
  acquisition, underwriting, pricing, customer retention, portfolio
  management and collections.
• Partner with C-suite executives to integrate ML-driven insights into the company’s
  strategic initiatives and growth objectives.
• Stay ahead of industry trends and emerging technologies to ensure the company
  remains a leader in ML applications.

• Develop and oversee deployment of ML models to optimize credit risk scoring, fraud
  detection, marketing campaigns, customer segmentation and collections
  activities.
• Leverage cutting-edge ML techniques such as deep learning and natural language
  processing where applicable to solve complex business problems.

• Build predictive systems to enhance customer acquisition, retention, and
  lifetime value.

• Establish frameworks for model monitoring, retraining, and validation to maintain
  high performance and compliance.
• Drive recruitment and retention of top-tier talent in ML and AI.
• Lead and mentor a team of data scientists to deliver on strategic objectives.
• Foster a culture of collaboration, experimentation, and continuous improvement.

• Work closely with credit risk, fraud, marketing, product, and technology teams
  to align ML initiatives with business needs.

Regulatory Compliance & Governance:

• Ensure ML solutions meet industry regulations such as FCRA and any other
  applicable compliance standards.
• Develop explainable AI frameworks to enhance transparency and fairness in
  decision-making processes.
• Own requests and communications for regulatory
  exams and internal audits
• Manage independent model validation function to
  provide an effective challenge of models
• Write model governance reports documenting the
  modeling process

Education:

• Master’s or Ph.D. in Computer Science, Machine Learning, Data Science, Statistics,
  or a related field.

Experience:

• 10+ years of experience in data science, with a strong emphasis on machine
  learning in the financial services or credit card industry.
• Proven track record of deploying scalable ML solutions in areas like credit
  underwriting, fraud prevention, and customer acquisition.
• Hands-on experience with large-scale data analytics and cloud-based ML platforms.

Technical Skills:

• Proficiency in ML frameworks and programming languages (e.g., Python, R, SQL).
• Expertise in big data technologies and cloud services (e.g., AWS, Google Cloud,
  Azure).
• Strong knowledge of credit card business operations, including risk modeling,
  fraud detection, and customer behavior analysis.

Leadership & Communication:

• Exceptional leadership skills with the ability to inspire and guide high-performing
  teams.
• Strong communication skills to present technical concepts and ML insights to
  non-technical stakeholders and executives.