Data Scientist

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

Responsibilities

• Design and maintain conceptual, logical, and physical data models supporting mortgage origination, underwriting, servicing, and lending technology platforms.
• Develop predictive and prescriptive analytics solutions utilizing machine learning, statistical modeling, and AI techniques.
• Collaborate with engineering teams to build scalable data solutions across cloud, data warehouse, and ETL ecosystems.
• Analyze large and complex datasets to identify business trends, operational efficiencies, customer behaviors, and risk indicators.
• Define enterprise data standards, metadata management practices, and data governance processes.
• Build data pipelines, feature engineering frameworks, and analytical datasets supporting reporting and advanced analytics use cases.
• Partner with business stakeholders to translate lending and mortgage business requirements into scalable data models and actionable insights.
• Develop dashboards, KPIs, data visualizations, and executive reporting solutions for operational and strategic decision-making.
• Ensure data quality, integrity, lineage, and compliance with regulatory and security requirements.
• Support modernization initiatives involving cloud platforms, real-time analytics, and enterprise data architecture.

Basic Qualifications
- Bachelor's degree in a quantitative field such as statistics, computer science, engineering or applied mathematics, or equivalent work experience
- Six to eight years of relevant experience

Preferred Skills/Experience

• Experience with Generative AI, Prompt Engineering, and LLM optimization.
• Knowledge of Retrieval-Augmented Generation (RAG) frameworks.
• Experience with Azure AI, Azure OpenAI, AWS AI Services, or related cloud AI platforms.
• Experience with MLOps and model lifecycle management.
• Financial Services or Mortgage industry experience.
• Experience leading technical initiatives and mentoring team members.
• Expertise in Machine Learning and Artificial Intelligence.
• Experience working with LLMs and Generative AI technologies.
• Strong collaboration and leadership skills.
• Ability to adapt in a fast-paced, evolving environment.
• Ownership mindset with a passion for innovation and continuous learning

Location expectations

This role requires working from a U.S. Bank location three (3) or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $111,605.00 - $131,300.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.