Calling all innovators – find your future at Fiserv.

We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

About Your role:

As a Senior Data Scientist, you will help shape the modeling, analytics, experimentation, and machine learning capabilities that support Merchant Opportunity Analysis (MOA) and Offer Engine within the Digital Onboarding team. Merchant Opportunity Analysis (MOA) refers to the analytical capability used to identify merchant needs, growth opportunities, product fit, and offer recommendations that can improve onboarding, personalization, and customer acquisition outcomes within Digital Onboarding.

This role will focus on developing models and analytical approaches that improve onboarding experiences, customer acquisition, personalization, offer relevance, and measurable business outcomes. You will work hand in hand with Data & ML Engineers, backend engineers, product teams, analytics partners, and business stakeholders to turn customer, merchant, product, and application data into actionable insights and production-ready machine learning solutions.

What You’ll Do:

• Develop machine learning models, scoring approaches, and analytical methods that support MOA, Offer Engine, customer insights, personalization, and onboarding optimization.
• Analyze customer, merchant, application, product, behavioral, and operational data to identify patterns and improvement opportunities.
• Build and refine models for segmentation, recommendation, propensity, similarity matching, ranking, personalization, and offer relevance.
• Partner with Data & ML Engineers to define feature requirements, validate feature quality, and transition models into production workflows.
• Design and evaluate experiments, A/B tests, champion/challenger approaches, and KPI measurement frameworks.
• Translate business objectives into data science solutions that improve customer acquisition, onboarding completion, engagement, and offer performance.
• Monitor model performance, drift, fairness, explainability, data quality, and business effectiveness in partnership with engineering teams.
• Create model documentation, explainability summaries, analytical narratives, and stakeholder-ready recommendations.
• Collaborate with Product, Analytics, Marketing, Engineering, and Business stakeholders to embed model outputs into Digital Onboarding experiences.
• Contribute to responsible AI practices, model governance, reproducibility, and enterprise ML standards.

Experience You’ll Need to Have:

• 8+ years of experience in data science, machine learning, applied statistics, advanced analytics, or ML engineering.
• Strong hands-on experience with Python, SQL, pandas, scikit-learn, and common data science libraries.
• Experience building classification, clustering, recommendation, propensity, ranking, segmentation, or similarity-based models.
• Experience working with customer, merchant, application, product, transaction, or behavioral datasets.
• Strong understanding of feature engineering, model validation, experimentation, performance measurement, and model explainability.
• Experience using cloud-based data and ML platforms such as AWS SageMaker, Snowflake, S3, Glue, or comparable platforms.
• Ability to partner with engineering teams to productionize models and support MLOps practices.
• Strong analytical storytelling skills with the ability to explain model outcomes, trade-offs, and recommendations to non-technical stakeholders.
• Understanding of data quality, model drift, bias, fairness, monitoring, and responsible AI practices.
• Strong collaboration skills across product, engineering, analytics, marketing, and business teams.
• Bachelor’s degree in Computer Science, Information Technology, Information Systems, or a related field (or equivalent industry experience).

Experience That Would Be Great to Have:

• Experience supporting offer engines, recommendation systems, personalization platforms, customer acquisition, or digital onboarding.
• Experience with nearest-neighbor matching, merchant segmentation, propensity modeling, uplift modeling, next-best-action, or look-alike modeling.
• Experience designing experiments, A/B tests, champion/challenger models, and business impact measurement frameworks.
• Experience with MLOps, model registries, feature stores, automated retraining, and model monitoring.
• Experience within financial services, fintech, payments, merchant services, or digital commerce.
• Experience with Generative AI, LLM-powered analytics, Agentic workflows, or AI-assisted model development.
• Advanced degree in data science, statistics, computer science, engineering, mathematics, economics, or a related field.

Important information about this role:

• This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
• This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
• All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.

#LI-MK1

This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Massachusetts, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island, Vermont, Virginia, Maine or Washington.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate.

Thank you for considering employment with Fiserv.  Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. 

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact AskHR.US@fiserv.com. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

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Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.