Jobs and Careers

Principal Data Scientist (Credit Risk Insights & Analysis)

United Statesfull_timeVerifiedPosted 4 Mar 2026

About the role

Navy Federal Credit Union currently does not provide sponsorship for this role. Applicants must be authorized to work in the United States without the need for current or future sponsorship.

Provide independent data science, machine learning, and analytical insights using member, financial, and organizational data to support credit risk decision-making. Understand business needs and identify opportunities for process optimization to meet business objectives using cutting-edge data science. Regarded as an advanced professional in the data science field who can conduct complex work under minimal supervision and with wide latitude for independent judgment. The role requires strong analytical skills, proficiency in data visualization tools, and the ability to communicate complex insights effectively.

Develop, maintain, and manage advanced reporting, dashboards, data models and analytical results
Retrieve, analyze and validate data and interpret results
Lead projects to understand requirements and propose key analytical solutions to drive effective decision-making and influence business objectives
Develop and code complex software programs, algorithms, and automated processes
Use evaluation, judgment, and interpretation to select right course of action
Work on problems of diverse scope where analysis of information requires evaluation of identifiable factors
Produce innovative solutions driven by exploratory data analysis from complex and high-dimensional datasets
Transform data into charts, tables, or format that aids effective decision making
Utilize effective written and verbal communication to document analyses and present findings analyses to a diverse audience of stakeholders
Develop and maintain strong working relationships with team members, subject matter experts, and leaders
Lead moderate to large projects and initiatives
Model best practices and ethical AI
Works with senior management on complex issues
Assist with the development and enhancement practices, procedures, and instructions
Serve as technical resource for other team members
Mentor lower levels

6+ years of working experience with requisite competencies
Complete knowledge and full understanding of specialization
Statistics, machine learning , data mining, data auditing, aggregation, reconciliation, and visualization
Programming, data modeling, simulation, and advanced mathematics
SQL, R, Python, Hadoop, SAS, SPSS, Databricks, Scala, AWS
Tableau, Power BI, or related data visualization tools
Model lifecycle execution
Technical writing
Data storytelling and technical presentation skills
Research Skills
Interpersonal Skills
Advanced knowledge of procedures, instructions and validation techniques
Model Development
Communication
Critical Thinking
Collaborate and Build Relationships
Initiative with sound judgement
Technical (Big Data Analysis, Coding, Project Management, Technical Writing, etc.)
Independent Judgment
Problem Solving (Identifies the constraints and risks)
Bachelor's Degree in Data Science, Statistics, Mathematics, Economics, Computers Science, Engineering, or degrees in similar quantitative fields

Desired Qualification(s)

Master's/PhD Degree in Data Science, Statistics, Mathematics, Economics, Computers Science, or Engineering

Hours: Monday - Friday, 8:00AM - 4:30PM

Locations: 820 Follin Lane, Vienna, VA 22180 | 5510 Heritage Oaks Drive, Pensacola, FL 32526

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.

Our approach to careers is simple yet powerful: Make our mission your passion.