We made history and now we work to transform the future – for our customers, our communities and our families. You'll see your work on the road every day, helping people move freely and pursue their dreams. At Ford, you can build more than vehicles. Come build what matters.
The Ford Motor Credit Company team helps put people behind the wheels of great Ford and Lincoln vehicles. By partnering with dealerships, we provide financing, personalized service and professional expertise to thousands of dealers and millions of customers in over one hundred countries around the world.
In this position...
The Senior Data Scientist on the Credit AI team at Ford Credit will lead the development and deployment of advanced AI and machine learning solutions that improve customer experience, reduce risk, and drive operational efficiency. This role focuses on delivering scalable, production-ready solutions across conversational AI, fraud detection, forecasting, and intelligent automation initiatives while partnering closely with engineering, product, and business stakeholders.
As a Senior Data Scientist within the Credit AI organization, you will play a critical role in shaping and delivering AI-driven solutions that support strategic business priorities across Ford Credit. You will work across a diverse portfolio of initiatives, including conversational AI solutions for customer representatives, fraud detection and risk analytics, forecasting and predictive modeling, and AI agents that automate business workflows and accelerate software development processes.
This role requires strong expertise in machine learning, statistical modeling, generative AI, and production AI systems. You will collaborate with cross-functional teams to translate business challenges into scalable technical solutions, develop and validate models, and ensure successful deployment into production environments. You will also help establish best practices around model governance, monitoring, explainability, and responsible AI.
The ideal candidate combines deep analytical and technical expertise with strong business acumen, communication skills, and the ability to lead complex initiatives from concept through implementation. Success in this role will be measured through measurable business outcomes such as reduced fraud losses, improved forecast accuracy, enhanced customer support efficiency, and increased automation effectiveness.
What you'll do...
- Design, develop, validate, and deploy machine learning and AI solutions for business-critical applications.
- Build scalable predictive models, anomaly detection systems, forecasting solutions, recommendation systems, and generative AI applications.
- Develop conversational AI and agent-assist solutions leveraging LLMs, NLP, and retrieval-augmented generation (RAG) techniques.
- Create intelligent AI agents for business workflow automation and SDLC acceleration initiatives.
- Develop and optimize fraud detection models using supervised and unsupervised machine learning techniques.
- Analyze structured and unstructured datasets to identify trends, patterns, risks, and business opportunities.
- Partner with engineering teams to productionize AI/ML solutions and integrate them into enterprise applications and workflows.
- Develop reusable ML pipelines, feature engineering frameworks, and model monitoring capabilities.
- Monitor model performance, drift, reliability, and operational effectiveness in production environments.
- Collaborate with product managers, engineers, business stakeholders, and risk/compliance teams to define requirements, success metrics, and implementation strategies.
- Translate technical insights and analytical findings into clear business recommendations and executive-level communications.
- Ensure AI and machine learning solutions comply with data governance, privacy, security, and regulatory standards.
- Develop documentation supporting model explainability, validation, monitoring, and audit readiness.
- Promote responsible AI practices, including fairness, transparency, and risk mitigation.
- Mentor junior team members and contribute to technical standards, best practices, and continuous improvement initiatives.
You'll have...
Required Qualifications
- Bachelor’s degree in Computer Science, Data Science, Statistics, Mathematics, Engineering, or a related quantitative field.
- 5+ years of experience developing and deploying machine learning or AI solutions in production environments.
- Strong programming experience in Python and experience with ML frameworks such as scikit-learn, PyTorch, TensorFlow, or similar.
- Experience building predictive models, forecasting solutions, anomaly detection systems, NLP applications, or generative AI solutions.
- Experience with large language models (LLMs), prompt engineering, retrieval-augmented generation (RAG), or conversational AI systems.
- Strong SQL and data manipulation skills with experience working on large-scale datasets.
- Experience with cloud platforms such as AWS, Azure, or GCP.
- Understanding of MLOps concepts including model deployment, monitoring, versioning, and CI/CD workflows.
- Strong analytical, problem-solving, communication, and stakeholder management skills.
Even better, you may have...
- Master’s degree in Computer Science, Data Science, Statistics, Mathematics, Engineering, or a related quantitative field.
- Experience in financial services, credit risk, fraud analytics, or regulated industries.
- Experience with AI agents, orchestration frameworks, or automation platforms.
- Experience with model explainability and governance tools such as SHAP or LIME.
- Knowledge of software engineering workflows and developer productivity tooling.
- Experience mentoring or leading technical teams.
You may not check every box, or your experience may look a little different from what we've outlined, but if you think you can bring value to Ford Motor Company, we encourage you to apply!
As an established global company, we offer the benefit of choice. You can choose what your Ford future will look like: will your story span the globe, or keep you close to home? Will your career be a deep dive into what you love, or a series of new teams and new skills? Will you be a leader, a changemaker, a technical expert, a culture builder…or all of the above? No matter what you choose, we offer a work life that works for you, including:
• Immediate medical, dental, vision and prescription drug coverage
• Flexible family care days, paid parental leave, new parent ramp-up programs, subsidized back-up child care and more
• Family building benefits including adoption and surrogacy expense reimbursement, fertility treatments, and more
• Vehicle discount program for employees and family members and management leases
• Tuition assistance
• Established and active employee resource groups
• Paid time off for individual and team community service
• A generous schedule of paid holidays, including the week between Christmas and New Year’s Day
• Paid time off and the option to purchase additional vacation time.
This position is a range of salary grade 7 that ranges from $99,600-$166,600 to salary grade 8 and that ranges from $115,000-$192,900.** **
Final determination of salary grade will be based on candidate's skills and experience, and base salary will be set within the applicable range according to job scope, responsibility and competitive market value.
For more information on salary and benefits, click here: https://fordcareers.co/GSR
Visa sponsorship is not available for this position.
Candidates for positions with Ford Motor Company must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.
We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, age, sex, national origin, sexual orientation, gender identity, disability status or protected veteran status. In the United States, if you need a reasonable accommodation for the online application process due to a disability, please call 1-888-336-0660.
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