Jobs and Careers

Principal Data Scientist (Credit Risk & Decision Science)

United Statesfull_timeVerifiedPosted 19 Apr 2024

About the role

The Credit Risk & Decision Science team within the Lending Analytics department is responsible for developing and implementing analytical solutions that drive changes to underwriting policies across Navy Federal Credit Union’s various lending products. Data scientists within this team will focus on two areas. Firstly, they will leverage analytics to define and monitor credit card account management strategies such as proactive line increase and reactive line increase to name a few. This will include developing and recommending test and control strategies to better understand cardholder behavior. Secondly, data scientists will leverage the existing pricing framework to support rate changes across various lending portfolios. Successful candidates will exhibit effective communication and analytical skills as well as strong leadership qualities.

This position is eligible for the TalentQuest employee referral program. If an employee referred you for this job, please apply using the system-generated link that was sent to you.

Design, develop, and evaluate large and complex predictive models and advanced algorithms
Test hypotheses/models, analyze, and interpret results
Develop actionable insights and recommendations
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 experience with requisite competencies
Familiar with analytical frameworks used to support the pricing of lending products
Familiar with analytical models/analysis used to support credit card underwriting and account management underwriting policies
Familiar using GitHub for documentation and code collaboration purposes
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, Scala, AWS
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, Computers Science, Engineering, or degrees in similar quantitative fields

Desired Qualification(s)

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

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

Location: 820 Follin Lane, Vienna, VA 22180

You have goals, dreams, hobbies, and things you’re passionate about—what’s important to you is important to us. We’re looking for people who not only want to do meaningful, challenging work, keep their skills sharp and move ahead, but who also take time for the things that matter to them—friends, family, and passions. And we're looking for team members who are passionate about our mission—making a difference in military members' and their families' lives. Together, we can make it happen. Don’t take our word for it: