Principal, Data Scientist - Card Intelligence

About the role

Data is at the center of everything we do. 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 big opportunities that help everyday people save money, time, and agony in their financial lives.

The US Card Data Science organization leverages massive customer data to drive business strategy and deliver world‑class customer experiences. The team builds and deploys sophisticated data science and machine learning models across the entire credit card lifecycle—including marketing, acquisitions, underwriting, and fraud prevention.

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 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.
• Translate the complexity of your work into tangible business goals using strong interpersonal skills.

Ideal Candidate

• Customer‑first mindset with a passion for making the right decisions for customers.
• Innovative, continuously researching and evaluating emerging technologies and state‑of‑the‑art methods.
• Creative problem‑solver who thrives on defining and tackling big, undefined problems.
• Leader who challenges conventional thinking, works with stakeholders to improve the status quo, and is passionate about talent development.
• Technical proficiency with open‑source languages and cloud computing platforms.
• Statistically‑minded, experienced in building, validating, and back‑testing models; comfortable interpreting confusion matrices, ROC curves, clustering, classification, sentiment analysis, time series, and deep learning.
• Data guru capable of retrieving, combining, and analyzing data from a variety of sources and structures.

Basic Qualifications

• Bachelor’s degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or related) plus 5 years of data analytics experience, or
• Master’s degree in a quantitative field (or MBA with quantitative concentration) plus 3 years of data analytics experience, or
• PhD in a quantitative field plus relevant experience.

Preferred Qualifications

• Master’s or PhD in a STEM field plus at least 3 years of data analytics experience.
• At least 1 year of experience working with AWS.
• At least 3 years of experience in Python, Scala, or R.
• At least 3 years of experience with machine learning.
• At least 3 years of experience with SQL.

Pay

McLean, VA: $161,800 – $184,600 for Principal Associate, Data Science.
New York, NY: $176,500 – $201,400 for Principal Associate, Data Science.
Candidates hired in other locations will receive the salary range associated with that location. This role is also eligible for performance‑based incentive compensation, which may include cash bonuses and/or long‑term incentives.

Benefits

Capital One offers a comprehensive, competitive, and inclusive set of health, financial, and other benefits that support total well‑being. Eligibility varies based on full‑ or part‑time status, exempt or non‑exempt status, and management level.