Navient

Data Scientist

• Pricing Analytics & Reporting: Build and maintain reporting and dashboards that track pricing performance and its impact to Net Interest Income, loan profitability, and volume.
• Partner with Finance, Product, and Risk to ensure alignment between pricing, credit quality, funding costs, and volume targets.
• Support weekly and monthly pricing reviews by providing analysis of trends, channel performance, and competitive positioning.
• Build and automate recurring pricing analytics in SQL and Python to ensure accuracy, scalability, and consistency.
• Pricing Optimization and Strategy Development: Design and execute experiments and analyses to optimize pricing structure across customer segments, product structures, loan terms, and credit tiers.
• Develop predictive models that describe and quantify the impact of pricing adjustments and promotional pricing strategies on applicant conversion, portfolio yield, and credit quality across product segments.
• Develop predictive models or frameworks that recommend optimal pricing and elasticity assumptions across key segments.
• Collaborate with Product and Marketing to ensure pricing supports business goals for growth and customer lifetime economic value.
• Continuously benchmark pricing strategy against market trends and competitor movements to identify improvement opportunities.
• Customer Insights, Data Analysis, & Segmentation: Analyze customer behavior, credit performance, and lifecycle data to uncover pricing and product optimization opportunities.
• Identify underserved or high-potential segments and develop data-driven recommendations to improve competitiveness and margin.
• Partner with cross-functional teams (Risk, Finance, Marketing, Product) to translate analytical insights into business intelligence and strategic initiatives.
• Communicate findings clearly to technical and non-technical audiences through dashboards, memos, and presentations.
• Forecast Modeling: Build models that project key metrics to inform business decisions and simulate economic and financial outcomes.
• Apply advanced statistical, econometric, or machine learning techniques to stress-test pricing strategies.
• Deliver scenario-based insights to inform strategic pricing decisions, margin planning, and growth projections.
• Ensure model transparency and documentation to maintain consistency, accuracy, and regulatory alignment.

Senior Data Scientist

Marketing

• Lead new customer acquisition through direct mail, owning the full strategy, execution, and performance of this channel.
• Manage everything from targeting and creative development to testing, vendor relationships, and performance optimization.
• Collaborate with marketing and data analysts to build prospect files and refine targeting methods.
• Work with creative teams to design compliant solicitations and partner with credit bureaus for file procurement and list optimization.
• Oversee lettershop operations, ensuring timelines and quality standards are met.
• Manage all personalization, proofing, and creative approvals.
• Forecast and plan new direct mail campaigns, including financial performance and cost/revenue projections.
• Serve as the internal subject-matter expert for all things Direct Mail, educating marketing and leadership on channel best practices, testing strategies, and growth opportunities.
• Partner with Analytics, Data Science, Risk, and Partnerships to develop targeting models and segmentation strategies that balance volume growth with credit quality.
• Develop and test messaging frameworks, offer positioning, and creative layouts that resonate with student and parent audiences.
• Partner with Brand and Compliance to ensure all solicitations meet regulatory and disclosure standards while maintaining brand integrity.
• Drive continuous testing of creative variables (headlines, offers, formats, personalization) to maximize response and conversion rates.
• Define audience segmentation and targeting strategies using demographic, credit bureau, and behavioral data.
• Partner with Data and Analytics teams to source, score, and model prospect lists; design test cells and measurement frameworks.
• Develop dashboards and KPI reporting to monitor campaign performance, cost efficiency, and downstream loan funding.

Direct Marketing Manager

Compliance

• Provide compliance subject matter and risk management expertise to support the Marketing departments/divisions in addressing compliance risks
• Review marketing materials and customer communications for compliance with applicable laws and regulations
• Develop, implement, monitor and report on key performance indicators (‘KPIs”) around marketing activities
• Work with legal counsel.
• Work with the department responsible for complaints to monitor for complaints around marketing practices
• Assist the Complaint team in resolving complaints regarding marketing practices
• Create and maintain a strong, proactive culture of compliance
• Assist in identifying Compliance Risks and emerging issues applicable to ongoing and proposed business activities and marketing campaigns

Senior Compliance Analyst, Marketing

Account Manager

• Develop and implement marketing strategies that support Navient and Earnest’s engagement with colleges, universities, and financial aid offices.
• Build campaigns and materials that highlight Navient and Earnest’s benefits to schools and their students, including presentations, one-pagers, videos, and digital assets.
• Work closely with the Campus Partnerships sales team to ensure marketing efforts align with partner priorities and business goals.
• Create annual and seasonal marketing calendars that align with the academic and financial aid cycles.
• Lead campaign planning and execution for the campus channel, including targeted email campaigns, digital advertising, and newsletters.
• Partner with Marketing Operations and Product Marketing to measure campaign performance and optimize for engagement, reach, and partner satisfaction.
• Develop segmented content strategies to address different institution types (size, degrees, programs, etc.).
• Ensure all communications align with Navient and Earnest’s brand voice and compliance requirements.
• Plan and coordinate marketing campaigns and creative activations around conferences, summits, and industry events where the Campus Partnerships team participates.
• Manage pre-event outreach, onsite brand visibility, and post-event follow-up campaigns.
• Ensure Navient and Earnest stands out through clear messaging, creative materials, and partner engagement opportunities.
• Collaborate with internal creative and design teams to produce booth graphics, giveaways, and presentation materials.
• Collaborate with Product Marketing, Design, Content, and Copy teams to develop materials that educate schools and reinforce Navient and Earnest’s brand positioning.
• Maintain and update website content related to school partnerships and financial aid resources.
• Create and manage webinars, presentations, and partner training sessions that help schools understand Navient and Earnest’s offerings and processes.
• Partner with Copy and Content teams to maintain a consistent message across web, collateral, and partner communications.

Senior Data Scientist

Direct Marketing Manager

Senior Compliance Analyst, Marketing

Campus Partnerships Marketing Manager