AVP, Data Scientist

Axos Bank

Target Range:

$90,000.00/Yr. - $120,000.00/Yr.

Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Eligible for an Annual Discretionary Cash Bonus Target: 10%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

About this Job:
As an AVP, Data Scientist at Axos, you will be at the forefront of leveraging advanced data science and modeling techniques to drive strategic decision-making and optimize the performance of retail loan portfolios.

Responsibilities:

• Act as the owner of retail loan data, conducting in-depth analyses to identify patterns and behaviors in loan performance, and proactively addressing areas of concern or opportunity.
• Oversee development and refinement of existing and new sophisticated underwriting tools, models, and evaluation rules to streamline the loan origination process and enhance portfolio risk management.  This may involve partnering with 3rd party vendors or other analytics groups at the bank.
• Utilize predictive modeling and machine learning algorithms by either personally leading their development or partnering with other analytics groups with machine learning skills.  This role will ultimately be analyzing profiles, credit bureau data, fraud indicators and more identify trends and patterns that inform automated loan approval decision-making.
• Collaborate with loan production business leaders and underwriters to translate data insights into actionable underwriting strategies and credit risk assessments, ensuring alignment with business objectives and regulatory requirements.
• Establish dashboard design requirements. Axos uses advanced data visualization tools such as Tableau to provide stakeholders with prompt visibility into portfolio performance metrics, including delinquency trends, funding ratios, and pricing dynamics.
• Serve as a key liaison between underwriting and business stakeholders, facilitating cross-functional collaboration and communication to bridge the gap between data-driven insights and strategic decision-making.
• Mentor and coach junior team members in data analysis techniques, modeling best practices, and stakeholder engagement strategies, fostering a culture of continuous learning and innovation.

Qualifications:

• Bachelor's degree in Statistics, Finance, or related field
• 3+ years of relevant working experience
• Advanced Excel skills to include pivot tables, lookup formulas, logic-based rules (if, countifs, sumifs, etc.) to handle ad hoc situations and new data sources
• Self-quality control and validation skills

Preferred:

• Pursued or have Actuarial certifications
• Experience with large datasets (100k+ records)
• Reporting power user (i.e., Tableau, Excel, SQL, etc.)
• SQL Coding

Axos Employee Benefits May Include:

• Medical, Dental, Vision, and Life Insurance

• Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)

• HSA or FSA account and other voluntary benefits

• 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan

• Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We’re a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers.

Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

Learn more about working at Axos

Pre-Employment Background Check and Drug Test:

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.