Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

We are seeking a dedicated Data Scientist II (Mid Level) – Pricing and Product Analytics.

We have multiple remote-eligible opportunities available on our Auto and Property Data Science teams that build loss, acquisition, retention, and lifetime value models.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

What you'll do:

As a Data Scientist, you will translate business problems into applied statistical, machine learning, simulation, and optimization solutions to inform actionable business insights and drive business value through automation, revenue generation, and expense and risk reduction. In collaboration with engineering partners, you will deliver solutions at scale, and enable customer-facing applications. You will leverage database, cloud, and programming knowledge to build analytical modeling solutions using statistical and machine learning techniques. You will collaborate with other data scientists to improve USAA's tooling, expanding the company's library of internal packages and applications and work with model risk management to validate the results and stability of models before being pushed to production at scale.

• Gathers, interprets, and manipulates structured and unstructured data to enable analytical solutions for the business.
• Selects the appropriate modeling technique and/or technology with consideration to data limitations, application, and business needs.
• Develops and deploys models within the Model Development Control (MDC) and Model Risk Management (MRM) framework.
• Composes technical documents for knowledge persistence, risk management, and technical review audiences. Consults with peers for guidance, as needed.
• Translates business request(s) into specific analytical questions, executing on the analysis and/or modeling, and communicating outcomes to non-technical business colleagues.
• Consults with Data Engineering, IT, the business, and other internal stakeholders to deploy analytical solutions that are aligned with the customer's vision and specifications and consistent with modeling best practices and model risk management standards.
• Seeks opportunities and materials to learn new techniques, technologies, and methodologies.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• Bachelor's degree in Mathematics, Computer Science, Statistics, Economics, Finance, Actuarial Science, Science, Engineering, or quantitative field; OR 4 years of relevant education and/or experience.
• 2 years of experience in predictive analytics or data analysis OR Advanced Degree (e.g., Master's, PhD) in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline.
• Experience in training and validating statistical, physical, machine learning, and other advanced analytics models.
• Experience in one or more dynamic scripted language (such as Python, R, etc.) for performing statistical analyses and/or building and scoring AI/ML models.
• Ability to write code that is easy to follow, well documented, and commented where necessary to explain logic (high code transparency).
• Experience in querying and preprocessing data from structured and/or unstructured databases using query languages such as SQL, HQL, NoSQL, etc.
• Experience in working with structured, semi-structured, and unstructured data files such as delimited numeric data files, JSON/XML files, and/or text documents, images, etc.Familiarity with performing ad-hoc analytics using descriptive, diagnostic, and inferential statistics.
• Experience with the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic regression, discriminant analysis, support vector machines, decision trees, forest models, etc.
• Experience with the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc.
• Ability to communicate analytical and modeling results to non-technical business partners.

What sets you apart:

• A passion for creative and innovative work that improves existing processes and creates new, repeatable and automated workflows that enhance team productivity.
• Personal Lines Experience
• Strong understanding of GLM and GBM modeling algorithms
• Experience with rating platforms like Earnix, Ratabase, or Radar
• Basic knowledge of Model Risk Management, Model Governance, and supporting regulatory needs
• US military experience gained through military service or gained as a military spouse / domestic partner.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation range: The salary range for this position is: $93,770-$179,240.

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.