Overview Are you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members do better. Joining PenFed is more than being an employee; its about being a part of the PenFed family. PenFed is hiring a (Hybrid) Senior Data Scientist, Credit Risk Modeling at our Tysons, Virginia location. The primary purpose of this job is to develop and implement advanced analytics solutions and processes used to minimize risks on the organization. The incumbent will develop, review, and validate, and design quantitative risk models and provide statistical input for the development and implementation of policies, plans, and programs related to credit origination and portfolio monitoring. Responsibilities Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned. Lead interaction with and advising Management of regarding credit risk issues; formulates product strategy recommendations and evaluates the risk in the overall loan portfolio. Conduct autonomous end-to-end more complex statistical model creation, including but not limited to identifying objectives, compiling data, sampling/prepping data, feature selection, model comparison/selection, deployment, and monitoring. Ensures adequate internal control processes around model development, implementation and validation are established. Develop, monitor, and maintain risk models using advanced machine learning and statistical method. Research and recommend new approaches/algorithms to identify relationships among complex data and implements model changes to improve model performance. Understand the trends within consumer and commercial loans portfolio, their impact on model implementation design and performance, and develop timely approach to address changes; Develop necessary analytics and processes during model implementation and forecasting process to provide production support and resolution. Establish consistent and robust model implementation processes across models with effective review and controls. Depending on the requirements of the specific incumbent, build credit loss estimation models for the loan portfolios to support Allowance for Credit Loss (ACL), Capital Planning and Stress Testing (CPST), including preparations. Depending on the requirements of the specific incumbent, develop/monitor/maintain underwriting credit/fraud risk scorecards using advanced machine learning and statistical method. Recommends and implements model changes to improve performance of credit functions. Communicate design and results of models development and implementation to a variety of audiences, including senior management, bank supervisors, internal validation, Internal Audit and line of business credit and finance end users. Apply intermediate to advanced knowledge of financial processes and procedures, and routine modeling theories and techniques to create effective modeling solutions for a single or multiple business functions. Maintain documentation for key processes and model components across the team with focus on standardization of processes; Engage model development teams, model production, and forecasting/model production team/users to develop consistent model implementation and process capabilities. Participate in regular interactions with various stakeholders to enhance model implementation processes and translate requirements into integrated forecasting process/tools for effective consumption. Assist management with maintaining PenFeds compliance with all applicable federal, state, and local laws, regulations, and ordinances by abiding by PenFed compliance program and all policies, procedures, rules, and regulations. Incumbent may support any of the following functions: Consumer Lending credit/fraud underwriting risk modeling. Credit Card customer management modeling. Credit Card line assignment and line management. Collection model development. Current Expected Credit Loss (CECL). Qualifications Equivalent combination of education and experience is considered. Ph.D. or masters degree in a quantitative discipline is required. Minimum of four (4) years of related work experience in building statistical models and advanced data analysis. Applied experience with Logistic Regression, Linear Regression, Time Series Analysis, Decision Trees, Cluster Analysis, Gradient Boosting Machine, and other Machine Learning Methods required. Advanced programming skills to include knowledge of statistical programs (e.g., SQL, SAS, Python, and R) required. Ability to manage multiple projects simultaneously and implement rapid changes in project direction. Experience in feature engineering is highly preferred. Demonstrate strong data analysis skills, ability to understand underlying data and complex loss/balance forecasting models, various product features, possess organizational and prioritization skills, as well as strong attention to detail. Critical thinking using both analytical and tactical approach to problem solving within the Quantitative Modeling team. Detail oriented, results driven, and has the ability to navigate in a quickly changing and high demand environment to develop solutions while balancing multiple priorities. Ability to interact effectively with team members across the management team, Lines of Business (LOB), credit officers, finance, model governance, oversight, validation, and audit organizations. Proven project management skills. Excellent oral and written communication skills required. Work Environment While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. *Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds. * Travel Limited travel to various worksites may be required. About Us Established in 1935, PenFed today is one of the countrys strongest and most stable financial institutions with over 2.8 million members and over $36 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam, Puerto Rico and Okinawa. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment Opportunity PenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.

Overview: Are you looking for an educational and robust internship this summer? We are seeking an Undergraduate Student Intern at our location in San Antonio, Texas. PenFeds Internship Program offers college students with a meaningful internship experience from which they can make informed future career decisions. Our internships are meant to provide a great test drive of our company, industry, and a potential career field. This position is part-time, working 20-25 hours per week, and pay rate is $20 per hour. Responsibilities: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned.<ul><li>Develop consumer-segmentation models and appropriate product recommendations</li><li>Analyze consumerism around Financial Centers based on web and mobile use versus in person locations</li><li>Develop models to predict product & balance/fund acquisition</li><li>Develop and/or support reporting automation effort</li></ul> Qualifications: Equivalent combination of education and experience is considered.<ul><li>Currently enrolled full-time at an accredited institution studying: Business Analytics, Data Science (or a closely related degree program)</li><li>Must be enrolled in a college or university in the San Antonio, Texas area</li><li>Must be a current Junior or Senior with a strong GPA</li><li>Must have understanding of Data Mining, Machine Learning, Predictive Analytics, Business Intelligence, and/or Data Management</li><li>Must have strong technology and reporting experience</li><li>Must have strong written and verbal communication skills</li><li>Must have creative, analytical, and critical thinking skills</li><li>Veterans encouraged to apply</li></ul>Work EnvironmentWhile performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.* TravelThis role does not require travel. About Us: Established in 1935, PenFed today is one of the countrys strongest and most stable financial institutions with over 2.8 million members and over $36 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam, Puerto Rico and Okinawa. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment Opportunity PenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.

Overview: Are you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members do better. Joining PenFed is more than being an employee; its about being a part of the PenFed family. PenFed is hiring a (Hybrid) Senior Data Scientist, Credit Risk Modeling at our Tysons, Virginia location. The primary purpose of this job is to develop and implement advanced analytics solutions and processes used to minimize risks on the organization. The incumbent will develop, review, and validate, and design quantitative risk models and provide statistical input for the development and implementation of policies, plans, and programs related to credit origination and portfolio monitoring. <iframe src="//www.youtube.com/embed/p9YkXv4j4jk" width="560" height="314" allowfullscreen="allowfullscreen"></iframe> Responsibilities: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned.<ul><li>Lead interaction with and advising Management of regarding credit risk issues; formulates product strategy recommendations and evaluates the risk in the overall loan portfolio.</li><li>Conduct autonomous end-to-end more complex statistical model creation, including but not limited to identifying objectives, compiling data, sampling/prepping data, feature selection, model comparison/selection, deployment, and monitoring. Ensures adequate internal control processes around model development, implementation and validation are established.</li><li>Develop, monitor, and maintain risk models using advanced machine learning and statistical method. Research and recommend new approaches/algorithms to identify relationships among complex data and implements model changes to improve model performance.</li><li>Understand the trends within consumer and commercial loans portfolio, their impact on model implementation design and performance, and develop timely approach to address changes; Develop necessary analytics and processes during model implementation and forecasting process to provide production support and resolution.</li><li>Establish consistent and robust model implementation processes across models with effective review and controls.</li><li>Depending on the requirements of the specific incumbent, build credit loss estimation models for the loan portfolios to support Allowance for Credit Loss (ACL), Capital Planning and Stress Testing (CPST), including preparations.</li><li>Depending on the requirements of the specific incumbent, develop/monitor/maintain underwriting credit/fraud risk scorecards using advanced machine learning and statistical method. Recommends and implements model changes to improve performance of credit functions.</li><li>Communicate design and results of models development and implementation to a variety of audiences, including senior management, bank supervisors, internal validation, Internal Audit and line of business credit and finance end users.</li><li>Apply intermediate to advanced knowledge of financial processes and procedures, and routine modeling theories and techniques to create effective modeling solutions for a single or multiple business functions.</li><li>Maintain documentation for key processes and model components across the team with focus on standardization of processes; Engage model development teams, model production, and forecasting/model production team/users to develop consistent model implementation and process capabilities.</li><li>Participate in regular interactions with various stakeholders to enhance model implementation processes and translate requirements into integrated forecasting process/tools for effective consumption.</li><li>Assist management with maintaining PenFeds compliance with all applicable federal, state, and local laws, regulations, and ordinances by abiding by PenFed compliance program and all policies, procedures, rules, and regulations.</li></ul>Incumbent may support any of the following functions:<ul><li>Consumer Lending credit/fraud underwriting risk modeling.</li><li>Credit Card customer management modeling.</li><li>Credit Card line assignment and line management.</li><li>Collection model development.</li><li>Current Expected Credit Loss (CECL).</li></ul> Qualifications: Equivalent combination of education and experience is considered.<ul><li>Ph.D. or masters degree in a quantitative discipline is required.</li><li>Minimum of four (4) years of related work experience in building statistical models and advanced data analysis.</li><li>Applied experience with Logistic Regression, Linear Regression, Time Series Analysis, Decision Trees, Cluster Analysis, Gradient Boosting Machine, and other Machine Learning Methods required.</li><li>Advanced programming skills to include knowledge of statistical programs (e.g., SQL, SAS, Python, and R) required.</li><li>Ability to manage multiple projects simultaneously and implement rapid changes in project direction.</li><li>Experience in feature engineering is highly preferred.</li><li>Demonstrate strong data analysis skills, ability to understand underlying data and complex loss/balance forecasting models, various product features, possess organizational and prioritization skills, as well as strong attention to detail.</li><li>Critical thinking using both analytical and tactical approach to problem solving within the Quantitative Modeling team.</li><li>Detail oriented, results driven, and has the ability to navigate in a quickly changing and high demand environment to develop solutions while balancing multiple priorities.</li><li>Ability to interact effectively with team members across the management team, Lines of Business (LOB), credit officers, finance, model governance, oversight, validation, and audit organizations.</li><li>Proven project management skills.</li><li>Excellent oral and written communication skills required.</li></ul>Work EnvironmentWhile performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds. * TravelLimited travel to various worksites may be required. About Us: Established in 1935, PenFed today is one of the countrys strongest and most stable financial institutions with over 2.8 million members and over $36 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam, Puerto Rico and Okinawa. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment Opportunity PenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.

Overview Are you looking for an educational and robust internship this summer? We are seeking an Undergraduate Student Intern at our location in San Antonio, Texas. PenFed's Internship Program offers college students with a meaningful internship experience from which they can make informed future career decisions. Our internships are meant to provide a great test drive of our company, industry, and a potential career field. This position is part-time, working 20-25 hours per week, and pay rate is $20 per hour. Responsibilities Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned. <ul><li>Develop consumer-segmentation models and appropriate product recommendations</li><li>Analyze consumerism around Financial Centers based on web and mobile use versus in person locations</li><li>Develop models to predict product & balance/fund acquisition</li><li>Develop and/or support reporting automation effort</li></ul> Qualifications Equivalent combination of education and experience is considered. <ul><li>Currently enrolled full-time at an accredited institution studying: Business Analytics, Data Science (or a closely related degree program)</li><li>Must be enrolled in a college or university in the San Antonio, Texas area</li><li>Must be a current Junior or Senior with a strong GPA</li><li>Must have understanding of Data Mining, Machine Learning, Predictive Analytics, Business Intelligence, and/or Data Management</li><li>Must have strong technology and reporting experience</li><li>Must have strong written and verbal communication skills</li><li>Must have creative, analytical, and critical thinking skills</li><li>Veterans encouraged to apply</li></ul> Work Environment While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise. *Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.* Travel This role does not require travel. About Us Established in 1935, PenFed today is one of the country's strongest and most stable financial institutions with over 2.8 million members and over $36 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam, Puerto Rico and Okinawa. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment Opportunity PenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.

OverviewAre you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members do better. Joining PenFed is more than being an employee; its about being a part of the PenFed family.PenFed is hiring a (Hybrid) Data Scientist, Credit Modeling at our San Antonio, Texas or Irving, Texas location. The primary purpose of this job is to develop and evaluate models associated with PenFeds lending function to quantify the organizations credit risk exposure and evaluate the performance of established controls. The incumbent will provide statistical input for the development and implementation of policies, plans, and programs related to credit origination and portfolio monitoring.ResponsibilitiesReasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties and the position will perform other duties as assigned.Interact with and advises Management of regarding credit risk issues; formulates product strategy recommendations and evaluates the risk in the overall loan portfolio.Autonomous end-to-end statistical model creation, including but not limited to identifying objectives, compiling data, sampling/prepping data, feature selection, model comparison/selection, deployment, and monitoring. Ensures adequate internal control processes around model development, implementation and validation are established.Build credit loss estimation models for the loan portfolios to support Allowance for Credit Loss (ACL), Capital Planning and Stress Testing (CPST), including preparations.Maintaining documentation for key processes and model components across the team with focus on standardization of processes; Engage model development teams, model production, and forecasting/model production team/users to develop consistent model implementation and process capabilities.Detail oriented, results driven, and has the ability to navigate in a quickly changing and high demand environment to develop solutions while balancing multiple priorities.Participate in regular interactions with various stakeholders to enhance model implementation processes and translate requirements into integrated forecasting process/tools for effective consumption.Assist management with maintaining PenFeds compliance with all applicable federal, state, and local laws, regulations, and ordinances by abiding by PenFed compliance program and all policies, procedures, rules, and regulations.Conduct analyses to determine root cause and impact and propose solutions to remediate model performance issues.Ensure a high degree of data quality and accuracy in all model results and reporting.Monitor performance of quantitative models and support independent model validation efforts in accordance with the model risk management policy.Supported Functions:Incumbent may support any of the following functions.Consumer Lending credit/fraud underwriting risk modeling.Credit Card customer management modeling.Credit Card line assignment and line management.Collection model development.Current Expected Credit Loss (CECL).QualificationsEquivalent combination of education and experience is considered.Masters degree in a quantitative discipline is required.Minimum of one (1) year of related work experience in building statistical models and advanced data analysis.Applied experience with Logistic Regression, Linear Regression, Time Series Analysis, Decision Trees, Cluster Analysis, Gradient Boosting Machine, and other Machine Learning Methods required.Advanced programming skills to include knowledge of statistical programs (e.g., SQL, SAS, Python, and R) required.Ability to manage multiple projects simultaneously and implement rapid changes in project direction.Demonstrate strong data analysis skills, ability to understand underlying data and complex loss/balance forecasting models, various product features, possess organizational and prioritization skills, as well as strong attention to detail.Critical thinking using both analytical and tactical approach to problem solving within the Quantitative Modeling team is required.Detail oriented, results driven, and has the ability to navigate in a quickly changing and high demand environment to develop solutions while balancing multiple priorities.Ability to interact effectively with team members across the management team, Lines of Business (LOB), credit officers, finance, model governance, oversight, validation, and audit organizations.Proven project management skills.Excellent oral and written communication skills required.Work EnvironmentWhile performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds. *TravelLimited travel to various worksites may be required.About UsEstablished in 1935, PenFed today is one of the countrys strongest and most stable financial institutions with over 2.8 million members and over $36 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam, Puerto Rico and Okinawa. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment OpportunityPenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at 402-639-8568.#J-18808-Ljbffrby Jobble

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Hybrid Senior Data Scientist Credit Risk ModelingMay 18, 2024

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