Senior Data Scientist (Auto Loan Pricing)

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 mission critical decision making for various areas of the organization. Understand business needs and identify opportunities for new products, services, and process optimization to meet business objectives through the use of cutting-edge data science. Create descriptive, predictive, and prescriptive models and insights to drive impact across the organization. Conduct work assignments of increasing complexity, under moderate supervision with some latitude for independent judgment. Intermediate professional within field; requires moderate skill set and proficiency in disciplineThis 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.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.FORTUNE100 Best Companies to Work For 2025Yello and WayUp Top 100 Internship ProgramsComputerworld Best Places to Work in ITNewsweek Most Loved Workplaces2025 PEOPLE Companies That CareNewsweek Most Trustworthy Companies in AmericaMilitary Times 2025 Best for Vets EmployersBest Companies for Latinos to Work for 2025Forbes 2025 America’s Best Large EmployersForbes 2025 America's Best Employers for New GradsForbes 2025 America's Best Employers for Tech Workers2025 RippleMatch Campus Forward Award Winner for Overall Excellence Military.com Top Military Spouse Employers 2025 2025 Handshake Early Talent AwardFrom Fortune. 2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at View email address on click.appcast.io or by calling View phone number on click.appcast.io. This team cannot provide any information on job postings or application status.Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team’s discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.3-5 years of experience in exploratory data analysisBasic understanding of business and operating environmentStatistics Programming, data modeling, simulation, and advanced mathematics SQL, R, Python, Hadoop, SAS, SPSS, Scala, AWS, DatabricksModel lifecycle executionTechnical writingData storytelling and technical presentation skillsResearch SkillsInterpersonal SkillsWorking knowledge of procedures, instructions, and validation techniquesModel DevelopmentCommunicationCritical ThinkingCollaborate and Build RelationshipsInitiative with sound judgementTechnical (Big Data Analysis, Coding, Project Management, Technical Writing, etc.)Sound JudgmentProblem Solving (Responds as problems and issues are identified)Bachelor's Degree in Data Science, Statistics, Mathematics, Computers Science, Engineering, or degrees in similar quantitative fieldsDesired QualificationsMaster's/PhD Degree in Data Science, Statistics, Mathematics, Computers Science, or EngineeringAdditional InformationHours: Monday - Friday, 8:00AM - 4:30PMLocation: 820 Follin Lane, Vienna, VA 22180Design, develop, and evaluate moderately complex predictive models and advanced algorithms Identifies meaningful insights from large data and metadata sources by selecting and applying the most effective analytical tools, methodologies, and technologiesTest hypotheses/models, analyze, and interpret resultsExercise sound judgment and discretion within defined procedures and practicesDevelop and code moderately complex software programs, algorithms, and automated processesUse modeling and trend analysis to analyze data and provide insightsDevelop understanding of best practices and ethical AITransform data into charts, tables, or format that aids effective decision makingBuild working relationships with team members and subject matter expertsLead small projects and initiativesPartners with key stakeholders to communicate pricing strategies and analytical approaches, translating technical findings into business-relevant insights that drive alignment, decision-making, and executive approvalLead the review and governance of pricing policies and portfolio performance, executing recurring pricing analyses, monitoring activities, and optimization initiatives to support strategic pricing decisions and governance committee discussionsDesign and enhance pricing frameworks for Auto Lending products, leveraging advanced analytics, predictive modeling, and optimization techniques to evaluate pricing alternatives and inform business strategyLead and collaborate with cross-functional teams to design, implement, and assess pricing experiments and test-and-learn initiatives, generating insights into borrower behavior and pricing elasticity across various pricing scenarios.Develop and maintain deep industry expertise in the Direct and Indirect Auto Lending markets through competitive research, market intelligence, bureau data assessments, while supporting organizational knowledge-sharing and stakeholder education effortsFull timePosting Date: 2026-08-19