Principal, Data Scientist - Card Intelligence
About the role
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. The US Card Data Science organization leverages our massive wealth of customer data to drive business strategy and deliver world-class customer experiences. Our team builds and deploys sophisticated data science and machine learning models across the entire credit card lifecycle—including marketing, acquisitions, underwriting, and fraud prevention. In this role, you will turn complex insights into real-world impact, shaping financial products that serve and protect millions of cardholders daily.
Responsibilities
- Partner with a cross-functional team of data scientists, software engineers, and product managers to deliver a product customers love
- 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
- Build machine learning models through all phases of development, from design through training, evaluation, validation, and implementation
- Flex your interpersonal skills to translate the complexity of your work into tangible business goals
Requirements
- Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:
- A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 5 years of experience performing data analytics
- A Master's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) or an MBA with a quantitative concentration plus 3 years of experience performing data analytics
- A PhD in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field)
Qualifications
- Master’s Degree in a “STEM” field (Science, Technology, Engineering, or Mathematics) plus 3 years of experience in data analytics, or PhD in a “STEM” field plus 3 years of experience in data analytics
- At least 1 year of experience working with AWS
- At least 3 years’ experience in Python, Scala, or R
- At least 3 years’ experience with machine learning
- At least 3 years’ experience with SQL
Skills
- Customer‑first mindset
- Innovative and continually researches emerging technologies
- Creative problem solver who thrives on undefined problems
- Leader who challenges conventional thinking and develops talent
- Technical proficiency with open‑source languages and cloud platforms
- Statistically‑minded: experience building, validating, and backtesting models; interpreting confusion matrices and ROC curves; clustering, classification, sentiment analysis, time series, deep learning
- Data guru: ability to retrieve, combine, and analyze data from varied sources and structures
Benefits
- Comprehensive, competitive, and inclusive set of health, financial, and other benefits supporting total well‑being
- Eligible for performance‑based incentive compensation, which may include cash bonus(es) and/or long‑term incentives (LTI); incentives may be discretionary or non‑discretionary depending on the plan
Pay
- McLean, VA: $161,800 – $184,600 for Princ Associate, Data Science
- New York, NY: $176,500 – $201,400 for Princ Associate, Data Science
- Candidates hired to work in other locations will be subject to the pay range associated with that location; the actual annualized salary offered will be reflected in the candidate’s offer letter