Principal, Data Scientist - Card Intelligence

Principal, Data Scientist - Card Intelligence 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 in 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 US Card Data Science organization at Capital One leverages our massive wealth of customer data to drive business strategy and deliver world‑class customer experiences. Our team builds and deploys sophisticated data science and machine learning models across the entire credit card lifecycle—including marketing, acquisitions, underwriting, and fraud prevention. In this role, you will turn complex insights into real‑world impact, shaping financial products that serve and protect millions of cardholders daily. Role Description 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 uncover insights in large volumes of numeric and textual data. Build machine‑learning models through all phases of development, from design through training, evaluation, validation, and implementation. Translate the complexity of your work into tangible business goals using strong interpersonal skills. The Ideal Candidate is Customer‑first: you love analysis and creation, and share the passion to do the right thing for our customers. Innovative: you continually research and evaluate emerging technologies, staying current on state‑of‑the‑art methods and applying them. Creative: you thrive on defining big, undefined problems, ask questions, and push to find answers, sharing new ideas. A leader: you challenge conventional thinking and work with stakeholders to improve the status quo, while nurturing talent for your team. Technical: you are comfortable with open‑source languages and have hands‑on experience building data science solutions on open‑source tools and cloud platforms. Statistically‑minded: you have built and validated models, backtested them, and can interpret confusion matrices, ROC curves, clustering, classification, sentiment analysis, time‑series, and deep learning. A data guru: “big data” doesn’t faze you; you can retrieve, combine, and analyze data from varied sources and structures. Basic Qualifications Currently holds—or is in the process of obtaining—one of the following, with the degree in hand on or before the start date: A Bachelor's Degree in a quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field) plus 5 years of data‑analytics experience. A Master’s or MBA with a quantitative concentration plus 3 years of data‑analytics experience. A PhD in a quantitative field. Preferred Qualifications Master’s or PhD in a STEM field (Science, Technology, Engineering, or Mathematics) and at least 3 years of data‑analytics experience. At least 1 year of experience with AWS. At least 3 years of experience in Python, Scala, or R. At least 3 years of experience with machine learning. At least 3 years of experience with SQL. Compensation and Benefits Minimum and maximum full‑time annual salaries (by location): McLean, VA: $161,800 – $184,600; New York, NY: $176,500 – $201,400. This role is also eligible for performance‑based incentive compensation, which may include cash bonuses and/or long‑term incentives. Capital One will consider sponsoring a qualified applicant for employment authorization for this position. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well‑being. Equal Opportunity Employment Capital One is an equal‑opportunity employer (EOE, including disability and veteran) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with applicable laws regarding criminal background inquiries. #J-18808-Ljbffr Information Technology Senior Management Forum