Data Scientist II (Mid Level)

About The Company

USAA is dedicated to empowering its members to achieve financial security through highly competitive products, exceptional service, and trusted advice. Our mission centers on being the preferred choice for the military community and their families. We embrace core values of honesty, integrity, loyalty, and service, which guide how we treat each other and our members. USAA is proud to support active-duty military spouses and offers remote or hybrid work flexibility for these individuals, consistent with policy and business needs.

About The Role

We are currently seeking a dedicated Data Scientist II (Mid Level) specializing in Pricing and Product Analytics. This role is remote eligible within the continental United States, with occasional business travel required. Candidates residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week. The successful candidate will join our Auto and Property Data Science teams, focusing on building models related to loss, acquisition, retention, and lifetime value.

As a Data Scientist, you will translate complex business problems into applied statistical, machine learning, simulation, and optimization solutions. Your work will drive actionable business insights and deliver value through automation, revenue generation, and risk reduction. Collaboration with engineering partners will be key to delivering scalable solutions and enabling customer-facing applications. You will also contribute to expanding USAA’s internal analytical tooling and ensure compliance with model risk management standards.

Qualifications

• Bachelor's degree in Mathematics, Computer Science, Statistics, Economics, Finance, Actuarial Science, Science, Engineering, or a related quantitative field; OR 4 years of relevant education and/or experience.
• Minimum of 2 years’ experience in predictive analytics or data analysis, or an advanced degree (Master's, PhD) in a relevant quantitative discipline.
• Proven experience in training and validating statistical, machine learning, and advanced analytics models.
• Proficiency in dynamic scripting languages such as Python or R for statistical analysis and AI/ML model development.
• Ability to write clear, well-documented, and maintainable code with high transparency.
• Experience querying and preprocessing data from structured and unstructured databases using SQL, HQL, NoSQL, or similar query languages.
• Familiarity with handling structured, semi-structured, and unstructured data formats including delimited files, JSON/XML, text documents, and images.
• Knowledge of classical supervised modeling techniques such as linear/logistic regression, discriminant analysis, support vector machines, decision trees, and ensemble methods.
• Experience with unsupervised modeling methods including k-means clustering, hierarchical clustering, nearest neighbors algorithms, and DBSCAN.
• Strong communication skills with the ability to translate technical results to non-technical stakeholders.

Responsibilities

• Gather, interpret, and manipulate structured and unstructured data to develop analytical solutions aligned with business objectives.
• Select appropriate modeling techniques and technologies considering data limitations and business needs.
• Develop and deploy models within the Model Development Control (MDC) and Model Risk Management (MRM) frameworks.
• Prepare comprehensive technical documentation for knowledge retention, risk management, and technical review purposes.
• Translate business requests into analytical questions, execute analyses, and communicate findings effectively to business partners.
• Collaborate with Data Engineering, IT, and other stakeholders to deploy analytical solutions consistent with customer vision and modeling best practices.
• Continuously seek opportunities to learn new techniques, technologies, and methodologies to enhance analytical capabilities.
• Ensure business risks are properly identified, measured, monitored, and controlled in compliance with risk and regulatory policies.

Benefits

• Comprehensive medical, dental, and vision insurance plans.
• 401(k) retirement savings plan and pension options.
• Life insurance coverage.
• Parental leave and adoption assistance programs.
• Generous paid time off including holidays and 16 paid volunteer hours annually.
• Various wellness programs supporting physical, financial, and emotional well-being.
• Career path planning and continuing education opportunities to support professional growth.

Equal Opportunity

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.