Summer Associate Internship (Data Scientist - Credit Risk and Decision Science)

The Lending Analytics Credit Risk & Decision Science team consists of approximately twenty-five driven, talented analysts, modelers, and data scientists who develop analytical solutions and recommend strategies that support maximizing the net profitability of Lending portfolios while balancing member service and needs, which is archived through underwriting decision using underwriting risk model, line assignment models for credit cards, pricing models for the consumer loan portfolio, and many others. 

We are looking for a Data Scientist Summer Associate to participate in projects and efforts related to enhanced analytics tracking, dashboarding or automation. 

Work includes but not limited to: 

• Provide independent data science, machine learning, and analytical insights using member, financial, and organizational data to support mission critical decision making for various areas of the organization. 
• Create descriptive, predictive, and prescriptive models and insights to drive impact across the organization.

• Leverage a broad set of modern technologies – including Python, R, Scala, and Spark – to analyze and gain insights within large data sets.
• Using statistical practices, analyze current and historical data to make predictions, identify risks, and opportunities, enabling better decisions on planned/future events.
• Provide analytics insights and solutions to solve complex business problems. 
• Manage, architect, and analyze big data to build data driven insights and high impact data models.
• Evaluate model design and performance and perform champion/challenger development. Analyze model input data, assumptions, and overall methodology.
• Apply business knowledge and advanced statistical modeling techniques when building data structures and tools.
• Collaborate with other team members, subject matter experts, pods, and delivery teams to deliver strategic advanced analytic based solutions from design to deployment.
• Examine data from multiple sources and share insights with leadership and stakeholders.
• Transform data presented in models, charts, and tables into a format that is useful to the business and aids in effective decision making.
• Create data visualizations and/or dashboards to monitor and explain risk trends that are relevant for loss and originations modeling.
• Conduct model validations and routinely assess model performance.
• Create reports and other deliverables to assist with business planning, continuity, and strategy.
• Lead initiatives to streamline or automate processes related to data preparation, quality assurance, execution of in-production models, report creation.
• Use a variety of analytical and modeling techniques to develop and/or refine strategies related to underwriting criteria, pricing, line management, loss forecasting, loan loss reserves to drive business direction across multiple asset classes (e.g., Auto, Unsecured, Cards, Mortgage, etc.)

• Currently pursuing a graduate degree in Data Science, Statistics, Mathematics, Computer Science, Engineering, or another quantitative field
• Ability to understand complex business problems and determine what aspects require optimization and articulate those aspects in a clear and concise manner.
• Advanced skill in communicating actionable insights using data to technical and non-technical audiences.
• Experience working in a dynamic, research-oriented environments. 
• Demonstrates functional knowledge of data visualization libraries such as matplotlib or ggplot2; knowledge of other visualization tools such as Microsoft Power BI and Tableau
• Ability to manipulate raw data within visualization tools to create effective dashboards that communicate end-to-end data outcomes visually.
• Proficient in storytelling with data skills
• Strong technical writing skills
• Skill communicating thoughts, concepts, practices effectively at all levels, adjusting as needed to a target audience.
• Strong verbal, interpersonal and written communication skills
• Strong database, word processing, spreadsheet, and presentation software skills (e.g., Microsoft Access, Excel, PowerPoint, etc.)
• Remains cognizant of and adheres to Navy Federal policies and procedures, regulations pertaining to the Bank Secrecy Act.

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.

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