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Lead Data Scientist, Consumer Identity Machine Learning

Capital One

Company : Capital One

Location : New York, NY, 10055

Posted Date : 28 October 2025

Job Type : Other

Category : Mathematics

Occupation : Data Scientist

Job Details

Join Capital One as a Lead Data Scientist in our Consumer Identity Machine Learning team, where data drives our innovative approach to personalizing customer experiences. We have transformed the credit card industry through our commitment to data and cutting-edge technology since our inception, becoming a Fortune 200 leader in data-driven decision-making.

As part of Consumer Identity ML, you will help shape real-time, personalized customer interactions across our comprehensive suite of digital products, including our website, mobile app, and chatbot. Your role will involve:

  • Exploring massive datasets comprising billions of clickstream events to uncover customer behavior patterns and forecast key outcomes.
  • Developing real-time models harnessing extensive customer data to proactively address customer needs and offer timely solutions.
  • Creating models to maintain the integrity of our most critical customer data, safeguarding against fraud while enabling seamless digital experiences.

In this position, you will:

  • Engage in all phases of the data science life cycle, from model design and training to evaluation and validation, collaborating closely with engineering teams to ensure scalable and resilient deployment serving over 50 million customers.
  • Partner with various business and product teams to conduct experiments that enhance customer experiences and drive business results across marketing, servicing, and fraud prevention domains.
  • Utilize programming languages like Python and tools such as Spark for data collection, exploration, visualization, and analysis of extensive customer transaction data.

The ideal candidate is:

  • Innovative: Constantly researching and evaluating emerging technologies, staying up to date with the latest methods and applications.
  • Creative: Passionate about defining and solving complex problems, unafraid to share new ideas.
  • Technical: Proficient in open-source languages with hands-on experience developing data science solutions in cloud environments.
  • Statistically-minded: Experienced in building, validating, and backtesting models, familiar with concepts such as confusion matrices, ROC curves, clustering, classification, sentiment analysis, time series, and deep learning.
  • A data guru: Comfortable working with big data and skilled in retrieving, combining, and analyzing data from diverse sources.

Basic Qualifications:

  • Bachelor's Degree in a quantitative field plus 5 years of data analytics experience, or a Master's Degree (or an MBA with a quantitative focus) plus 3 years, or a PhD in a related field.

Preferred Qualifications:

  • Master's or PhD in a STEM field with experience in Deep Learning.
  • Specialized knowledge in Information Retrieval, NLP, Data-centric AI, and Knowledge Graphs.
  • 3+ years of experience with PyTorch/TensorFlow and machine learning.
  • 1+ year of experience working with AWS.

Capital One is committed to an inclusive and diverse workplace and encourages qualified candidates to apply, including those with criminal histories, in compliance with federal, state, and local laws.

Please note that applications will be accepted for a minimum of 5 business days.

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