Principal Associate, Data Scientist - AI in Credit
Team Description
The US Card Intelligence Segments organization builds industry-leading machine learning models that empower core underwriting decisions. We partner closely with a wide range of job families - machine learning engineers, product managers, credit analysts and data engineers - to deliver solutions from ideation to implementation.
The AI in Credit team is developing the next generation of predictive models to forecast how customers use their Capital One cards. We are a cross-functional collaboration that spans across the entire company, with scientists and engineers specializing in applied credit, deep learning, and high performance computing. Join us as we push the boundary of data-driven credit decisioning.
Role Description
In this role, you will:
Develop modeling approaches to forecast credit outcomes in a rapidly changing economic environment
Apply cutting-edge explainability techniques to identify insights from complex models
Develop frameworks for AI-model-based decisioning in a highly regulated industry
Collaborate on a cross-functional team with a wide range of specializations and experience
The Ideal Candidate is:
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.
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.
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.
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.
Basic Qualifications:
Preferred Qualifications:
Master’s Degree in an applied research field (physics/astronomy, chemistry, biology, engineering, operations research, sociology, etc.) plus 3 years of experience in data science, or PhD in an applied research field
Experience in explainability a big plus
Experience with distributed computing a plus
At least 3 years’ experience in Python, Scala, or R
At least 3 years’ experience with machine learning
Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
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: $161,800 - $184,600 for Princ Associate, Data ScienceNew York, NY: $176,500 - $201,400 for Princ Associate, Data Science
Richmond, VA: $147,100 - $167,900 for Princ Associate, 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.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
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.
