Serve as a principal-level technical leader and advanced data science contributor responsible for developing, evaluating, scaling, and improving complex, high-impact AI, machine learning, and predictive modeling solutions across priority business areas, including credit risk, collections, loss mitigation, decisioning, pricing, fraud, and customer strategy. Apply advanced statistical, machine learning, and artificial intelligence techniques to solve complex business problems, including traditional predictive modeling methods such as gradient boosting and tree-based models, as well as causal inference, optimization, reinforcement learning, multi-armed bandits, transformer-based models, and other appropriate methods.