Senior Associate, Data Scientist - US Card (Resiliency Intelligence)

Overview 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 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. Team Description The Resiliency Intelligence team helps our customers regain financial stability and drive business value through personalized solutions at scale. This is crucially important for customers that encounter financial hardship and need personalized resources to resolve outstanding balances. To achieve this, we use supervised and reinforcement learning models to predict customer needs and recommend optimal solutions. We write custom Python libraries and use open-source ML libraries like XGBoost, scikit-learn, and statsmodels. Our models define the treatment for millions of customers on a daily basis and your code will run in analytical and production environments. Our team’s ML solutions meaningfully impact the income of the US Card business and are a key value generator for the company. Role Description In this role, you will: 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. Ideal Candidate The Ideal Candidate is: Creative. You thrive on bringing definition to big, undefined problems. You love asking questions and pushing hard to find answers. You’re not afraid to share a new idea. Technical. You’re comfortable with open-source languages and are passionate about developing further. You have hands-on experience developing data science solutions using open-source tools and cloud computing platforms. Statistically‑minded. You’ve built models, validated them, and backtested them. You know how to interpret a confusion matrix or a ROC curve. You have experience with clustering, classification, sentiment analysis, time series, and deep learning. A data guru. "Big data" doesn’t faze you. You have the skills to retrieve, combine, and analyze data from a variety of sources and structures. You know understanding the data is often the key to great data science. Basic Qualifications 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 2 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. Preferred Qualifications Master’s Degree in 'STEM' field (Science, Technology, Engineering, or Mathematics), or PhD in 'STEM' field (Science, Technology, Engineering, or Mathematics). At least 1 year of experience working with AWS. At least 2 years’ experience in Python, Scala, or R. At least 2 years’ experience with machine learning. At least 2 years’ experience with SQL. Compensation Min and max full‑time annual salaries for this role—listed below by location. For McLean, VA: $135,600 – $154,800 for Sr. Assoc, Data Science. Candidates hired in other locations are subject to that location’s pay range. The actual annualized salary offered will be reflected in the offer letter. Capital One will consider sponsoring a new qualified applicant for employment authorization for this position. This role is also eligible to earn performance‑based incentive compensation, which may include cash bonus(es) and/or long‑term incentives (LTI). Incentives could be discretionary or non‑discretionary depending on the plan. Benefits Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. EEO Statement Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Drug‑Free Workplace Capital One promotes a drug‑free workplace. #J-18808-Ljbffr