AVP, Data Scientist

Axos Bank

Target Range:

$100,000.00/Yr. - $140,000.00/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

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.

• Lead the development and refinement of sophisticated underwriting models and evaluation rules to streamline the loan origination process and enhance portfolio risk management.
• Act as the owner of retail data, conducting in-depth analyses to identify patterns and behaviors in loan performance, and proactively addressing areas of concern or opportunity.
• Develop and implement advanced segmentation strategies to categorize large populations of loan applicants based on underlying characteristics, such as credit scores, financial profiles, and industry sectors.
• Utilize predictive modeling and machine learning algorithms to analyze customer profiles, credit scores, and financial data, identifying trends and patterns that inform automated loan approval decision-making.
• Collaborate closely with the deal team and underwriters to translate data insights into actionable underwriting strategies and credit risk assessments, ensuring alignment with business objectives and regulatory requirements.
• Design and maintain reporting dashboards using advanced data visualization tools such as Tableau, providing stakeholders with real-time 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.

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.

Equal Employment Opportunity:

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment:

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.