Senior Director, Data Science – Debit Routing

Job Description: • 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. Requirements: • Deep experience in payments, fintech, or financial transaction optimization required. • Deep understanding of global regulatory frameworks that impact transaction routing (e.g. U.S. Durbin Amendment) • Excellent understanding of global interchange systems, scheme fee structures, and cross-border routing economics. • Strong applied knowledge of ML/AI, optimization, and decision science techniques. • Proficiency in Python, SQL, and Spark • Advanced degree (PhD or Master’s) in Computer Science, Statistics, Mathematics, Engineering, or related field. • 10 years of experience in data science or analytics, with at least 5 years in a leadership role. Benefits: • Competitive compensation • Exciting career opportunity Apply tot his job Apply To this Job