Principal Associate, Data Scientist - Credit Risk

Locations: VA - McLean, United States of America, McLean, Virginia

Principal Associate, Data Scientist - Credit Risk

Data is at the center of everything we do. As a startup, we disrupted the credit card industry by individually personalizing every credit card offer using statistical modeling and the relational database, cutting edge technology in 1988! Fast-forward a few years, and this little innovation and our passion for data has skyrocketed us to a Fortune 200 company and a leader in the world of data-driven decision-making.

As a Data Scientist at Capital One, you’ll be part of a team that’s leading the next wave of disruption at a whole new scale, using the latest in computing and machine learning technologies and operating across billions of customer records to unlock the big opportunities that help everyday people save money, time and agony in their financial lives.

As a Data Scientist in our Credit and Financial Risk Management team, you will be at the forefront helping us to build tools that generate insights around our models used to forecast credit losses. You will be leveraging the latest technology, big data, and machine learning to provide powerful insights about our portfolio. You will partner with best-in-class data scientists, analysts, and engineers to innovate solutions that directly impact the company’s bottom line in a meaningful way. You will do it all in a collaborative environment that values your insight, encourages you to take on new responsibilities, promotes continuous learning, and rewards innovation.

Role Description

In this role, you will:

1. Partner with a cross-functional team of data scientists, software engineers, and product managers to deliver a product customers love.
2. Leverage a broad stack of technologies — Python, Conda, AWS, H2O, Spark, and more — to reveal the insights hidden within huge volumes of numeric and textual data.
3. Build machine learning models through all phases of development, from design through training, evaluation, validation, and implementation.
4. Flex your interpersonal skills to translate the complexity of your work into tangible business goals.

The Ideal Candidate is

1. Innovative. You continually research and evaluate emerging technologies. You stay current on published state-of-the-art methods, technologies, and applications and seek out opportunities to apply them.
2. Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You’re not afraid to share a new idea.
3. Technical. You’re comfortable with open-source languages and are passionate about developing further. You have hands-on experience developing data science solutions using open-source tools and cloud computing platforms.
4. Statistically-minded. You’ve built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning.
5. A data guru. “Big data” doesn’t faze you. You have the skills to retrieve, combine, and analyze data from a variety of sources and structures. You know understanding the data is often the key to great data science.

Basic Qualifications:

1. Currently has, or is in the process of obtaining a Bachelor’s Degree plus 5 years of experience in data analytics, or currently has, or is in the process of obtaining a Master’s Degree plus 3 years of experience in data analytics, or currently has, or is in the process of obtaining PhD, with an expectation that required degree will be obtained on or before the scheduled start date.
2. At least 1 year of experience in open source programming languages for large scale data analysis.
3. At least 1 year of experience with machine learning.
4. At least 1 year of experience with relational databases.

Preferred Qualifications:

1. Master’s Degree in “STEM” field (Science, Technology, Engineering, or Mathematics) plus 3 years of experience in data analytics, or PhD in “STEM” field (Science, Technology, Engineering, or Mathematics).
2. At least 1 year of experience working with AWS.
3. At least 3 years’ experience in Python, Scala, or R.
4. At least 3 years’ experience with machine learning.
5. At least 3 years’ experience with SQL.

Capital One will consider sponsoring a new qualified applicant for employment authorization for this position. This role is Hybrid, with associates expected to consistently spend three days per week in the office.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

McLean, VA: $158,600 - $181,000 for Principal Assoc, Data Science.

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace.

For technical support or questions about Capital One's recruiting process, please send an email to .