Data Scientist

• Own the data science roadmap for dynamic routing and interchange optimization across U.S. domestic, cross-border payment flows, and extension of dynamic routing globally.
• Build and deploy ML/AI models that inform routing decisions based on issuer behavior, cost structures, geo/location, network rules and eligibility, and approval likelihood.
• Develop scalable, low-latency algorithms integrated into real-time payment decisioning engines.
• Design and validate experiments to quantify the financial impact of routing and interchange strategies (e.g., A/B tests, multi-armed bandits).
• Model complex cost structures (interchange, scheme fees, FX margins) to recommend optimal routing paths for each transaction.
• Build, lead, and mentor a multidisciplinary team of ~15 data scientists and data analysts.
• Collaborate with Product and Global Network Partnership teams to align optimization strategies with commercial agreements and market coverage.

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