Manager, Data Science & Modeling

Who We Are

Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.

What We Do

We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses.

Merrick Bank ranks among the top 20 FDIC®-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.

Data Scientists build and maintain machine learning and statistical models that address key business challenges across the bank. The role involves framing business problems mathematically and applying advanced analytical techniques to generate solutions.

Data Science is a technical discipline requiring strong skills in software engineering, statistics, and modern data infrastructure.

Essential Functions

• Develop and sustain predictive modeling solutions across Credit Risk, Balance/Revenue forecasting, Direct Mail Response, and account‑level valuation domains.
• Provide end‑to‑end ownership of the model development lifecycle, including problem framing, conceptual design, data analysis, model construction, validation, documentation, deployment, and user enablement.
• Administer a rigorous model monitoring framework to ensure models remain accurate, stable, and refreshed at appropriate intervals. Investigate performance issues, identify root causes, and recommend appropriate corrective actions when models do not perform as expected.
• Communicate insights and recommendations to senior leadership and contribute to strategic business planning.
• Proactively develop additional ad hoc reporting and data visualizations to support modeling initiatives and decision‑making.
• Serve as subject matter expert for the model attributes and performance, influencing strategy and providing ongoing support.
• Offer statistical guidance in the design of experiments aimed at optimizing Product, Marketing, and Credit strategies.

• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

• Perform other duties as assigned by senior management.
• Maintain ethical standards, judgment, and confidentiality in all matters.

Education & Experience:

• Bachelor's degree in quantitative fields (e.g., Data Science/Analytics, Statistics/Applied Math, Economics, Engineering or Sciences) is required.
• Advance Degree (Master’s or PhD) in quantitative fields (e.g., Data Science/Analytics, Statistics/Applied Math, Economics, Engineering or Sciences) is preferred.
• Three (3) years of hands-on experience with a bachelor’s degree, or two (2) year’s hands-on experience with a master’s degree, in quantitative fields (same as above).

• Profound expertise with SQL and at least one scripting language such as Python, R, or Shell.
• Proficiency with Microsoft Office tools including Excel, Word and PowerPoint.
• Strong verbal, written, and interpersonal communication skills.
• Proven ability to collaborate effectively within cross‑functional teams.
• Ability to navigate ambiguity and work hands‑on with complex business and technical challenges.
• Strength in problem-solving, critical thinking, teamwork, attention to detail, and organization.
• High curiosity and learning agility, with a strong sense of initiative and a willingness to roll up one’s sleeves.

Why join us

We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people.

At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.

Our Employee Value Proposition

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.

We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.

If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.